The difference in your tax bill between $80k of income and $130k of income is $15k. This is much, much less than $50k. In this case the loan forgiveness has i

The difference in your tax bill between $80k of income and $130k of income is $15k. This is much, much less than $50k. In this case the loan forgiveness has increased your net worth by $35k. That's a lot of free money that you're insisting is actually a curse.