Jarrett, 38, has $101,000 in student debt and was hopeful for Joe Biden's loan forgiveness. He told Insider he didn't think Biden's new plan for relief would deliver for borrowers. For years after graduating, he struggled to find steady employment and placed his initial student-loan balance of about $60,000 on forbearance. "I'm never going to be able to pay it down," Jarrett told Insider. And I certainly don't think that what he's doing now is going to address the issue either."

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