What about student loans constitutes a "crisis"?

[pnwmom]

45. That's NOT TRUE. Only 39% of Federal student loans qualify for debt forgivenesss.

Not only that, about 8% of loans for college are non-federal loans.

You were lucky.

You made all your claims without a link. Here's one.

https://www.credit.com/loans/student-loans/student-articles/can-you-really-get-your-student-loans-forgiven/

Based on the data currently available from the U.S. Department of Education, most student loans aren’t in a position to be forgiven: Only $505.6 billion, or 39%, of the roughly $1.3 trillion federal student loan portfolio (which includes loans not yet in repayment) is made up of loans that meet at least one requirement for the most common loan forgiveness programs. Even so, not all the borrowers who hold that debt will qualify for forgiveness. But if you meet a specific mix of criteria, you can apply for it.

SNIP

For the most part, loan forgiveness is limited to the federal student loan world, which makes up about 92% of outstanding student loan debt in the United States, according to data from the Federal Reserve and the Education Department. (If you have private student loans, you can skip to later in this article where we talk about bankruptcy and disability discharge, because the rest of this doesn’t apply to you.)

So, what are the legitimate student loan forgiveness options offered by the government? There are several. We’ll start with the most widely available.