system
Given the following post, respond as if you're commenting on Reddit:
human
Because of COVID-19 student loans have been in forbearance for nearly a year now, why not just continue forbearance indefinitely?

I'm not an economist by any means, so maybe someone here can help me understand this. Myself and many others haven't paid student loans since March of last  year with zero interest accruing, and as far as I can tell the sky hasn't fallen yet. So why not just extend the forbearance indefinitely? 

1. Who would be worse off if student loan forbearance was extended indefinitely?
2. Do unpaid student loans count as part  of the US national debt or is it counted separately?
3. I assume there would be inflation, but ~2%/yr inflation is targeted anyway so would that be a problem?
gpt
1. The government would have less money. At some point taxes would have to be raised or spending cut to make up for the lost revenue.

2. Unpaid loans do not currently count for the national debt but would if forgiven.

3. Inflation would not be affected unless the debt got so bad that it had to be monetized which would be the last resort.