My wife went to school over a decade ago, experienced several health crises, and never finished. She still owes over $14,000 in debt. In fact, she owes more now than she did when she took the loans out because of interest and income-based deferred payment. She’s not a doctor or a lawyer or anything, just a woman approaching middle-age still carrying the baggage of poor decisions made in youth and bad luck. She is the sort of person this cancellation is meant for.