I frequently hear the term “student loan forgiveness.”  Is this genuine forgiveness or something else?

It is something else because those who cancel debts have not been morally hurt by the students.  Student loan forgiveness instead is a legal move, not the exercise of being good to those who are not good to the ones who cancel the debt.  Forgiveness, in contrast, is a moral virtue of goodness toward those who have acted unjustly toward the forgiver and not a legal concept.

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directorifi
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