I don’t understand your point. if you’re saying it would be wise to take advantage of current 0% interest and/or deferment policies to pay as little as possible

I don’t understand your point. if you’re saying it would be wise to take advantage of current 0% interest and/or deferment policies to pay as little as possible until it’s clearer whether or not any kind of loan forgiveness will happen, then sure. not paying at all is really not an option over the long term.