New study refutes Biden's student debt excuse

See this post as preface. The study notes that it's predominantly low and lower-income communities that have the most student debt and would benefit the most from some debt forgiveness. The higher income brackets going to Harvard and Yale are miniscule to non-existent for such debt. What's your next fake excuse Joe?

"Because low- and lower-middle income communities see the worst debt-to-income ratios, they would see the largest portion of their income freed up through student debt forgiveness. Young adult borrowers in low- and lower-middle income communities would receive an outsized share of forgiveness in aggregate dollars compared to middle- and upper-income communities."