I think there are a number of policies to consider, all the way from beefing up the current programs - like income based repayment, public service forgiveness, and grants - to regulatory price controls, to your idea of nationalizing essentially the current system, to rethinking the whole concept of what college is for and who should go.
There are a bunch of different things I might support depending on the details, but just "I dunno, do a one time blanket forgiveness and nothing else I guess?" really ain't it.
People don't need "breathing room" to care about a political issue. People care about issues that are affecting them. You clearly care about this issue because (from your comments today) it is clearly affecting you. You aren't going to suddenly care more about whether college administrators are or aren't incentivized to raise the costs of college after you've been freed from the clutches of your student debt and have more room to breathe. You'll move on to caring about the next thing that is affecting your life directly. That's not a criticism of you or anybody, it's just the natural reaction.
By my first paragraph, I assume you mean the parenthetical at the beginning? If so, that isn't what "gaslighting" means, and while I can see how you read it as talking down to you, it can't be talking down to anyone else, because it is solely responding to a particular style in a few comments you specifically have written.