Since the pause started, I have been aggressively saving to pay off my entire balance, with forgiveness not being part of the equation. Of course, I would be much happier if $10k were forgiven, but if that does not happen, I am ready to pay off the $25k balance I have left on the day payments resume.
I am definitely sick and tired of seeing these loans continue to age. I just want them gone at this point, never to occupy space in my thoughts ever again.
I did the same, but for credit card debt and car loans. To give myself a little credit, I did end up paying off my 9k credit card debt and my 5k car loan during the pause and pandemic. But I don't have much $ for student debt right now and it'll be a while before I do.