My family didn't have a lot of money so I went to a cheap, but good, local college, and commuted from home by public bus while I worked every day.
If I had known I could simply borrow money and not pay it back and live on a country-club-like "farm" for 4 years, getting drunk and going to frat parties, I probably would have.
Screw all these freeloaders.
When I was initially on an IBR plan I was paying roughly 3/4 of the interest that was accruing every month. Do you have any idea how soul-crushing it is to make less than $30k a year, make payments in the multiple hundreds of dollars every months, and see the balance increase?
After 20 years of that, I think you deserve the forgiveness. But not only that, you're then taxed on the forgiveness (which I think is necessary!). So you struggle for 20 years, still have the debt, then get nailed with what could very well be a 5-figure tax bill.
Under most circumstances they have probably paid more to the federal government than you have.
Screw all those freeloaders!
But absolutely when you're making $2250/mo before taxes and extra $20 in your refund is awesome :)