they stop making payment, work for cash at the same time they collect unemployment or "permanent disability; or fake debilitating illnesses.
And there are no consequences, other than "inconvenience."
That’s not forgiven. If the borrower falls into some money, the government will get their money. Going on The Disability is financially far worse than paying a school loan.
If you work for 10 years in certain professions, your school loans can be “forgiven” but you’ve already paid a huge amount of the loan by then.