with Christ making it clear that in order to be forgiven, humans must forgive others: For if you forgive other people when they sin against you, your Heavenly Father will also forgive you.

Forgiveness does not mean that the person who has wronged gets away with it, as they must show remorse as well ... who has wronged them – for if you forgive other people when they sin against ...

Finally, there is the concern that you may not even have a balance left after 10 years to get loan forgiveness on. If your monthly payment under ICR would pay off your loans, well then you did ...