On Wednesday, I pulled up my go-to news site for some midday procrastination. When I saw the headline about President Joe Biden announcing student-debt cancellation, I immediately texted my sister. After a flurry of messages about what we knew, she summed up what we were both feeling: This is literally life-changing. It wasn't an exaggeration. I graduated from an expensive private college 12 years ago, and I still pay hundreds of dollars each month in student loans. My sister learned a bit from my mistakes. She graduated from a community college last year with a career-focused associate's degree in healthcare....