It can be scary and confusing doing all this financial adult stuff that you're supposed to know, but no one really prepares you for it and you don't know to prepare because you don't know it's out there. Bit of a Catch-22.

That's shitty to have your forgiven loans counted as income. Plenty of businesses and rich people have gotten loans forgiven, but above below them can't? That's such BS.

Good luck!