The options seem kind of dichotomous. What about developing your own risk framework for this? Perhaps you do both, but in a given proportion and timeline, for e

The options seem kind of dichotomous. What about developing your own risk framework for this? Perhaps you do both, but in a given proportion and timeline, for example. It seems like something you also could simulate with code and some research into sentiment around the probability of blanket loan-forgiveness. No opinion here except at that general level. Good luck to you.