In my case it’s a moot point since I am going back to college to finish my degree next year, and student loan payments are paused while you go to school at least half time.
I think the best plan for people is to do all business through LLCs – maybe negotiate as a group with your bosses to have checks sent to an LLC where they are then distributed to individual members. They get taxed that way but oh well. I have no idea if companies would do that.
Failing that, conduct all business in crypto. Band together with a group of people, buy land in a remote place, set up mobile homes or RVs there and escape everything.
Ride out the student loan renegotiation process as long as possible.
Expatriate.
Start businesses and then just refuse to garnish employee wages. Switch assets to different LLCs to avoid the IRS.
Try to apply for poverty based forgiveness – I don’t know if that’s still a thing or not.
Honestly, if millions of people banded together and just refused to pay the loans outright, and went on strike from them, it could cripple the money lenders and force them to the table to negotiate, and hopefully wipe the debt.