Republican policies have destroyed the middle class since Reagan.
And we've given Democrats several majorities in the last four decades, and they've used them to empower the wealthy and kill the middle class even more. At some point a reasonable person has to acknowledge that a failure to act constitutes policy.
Biden’s student loan forgiveness plan
Biden can forgive student loans unilaterally, and he already has in the case of people who were defrauded, so his so-called plan only served to add red tape to a process that didn't require it. Effectively, he's running cover for his wealthy donors on this issue and trying to retain positive optics, which apparently worked really well in your case, but I'm guessing you never had student loan debt, or maybe you'd expect more than performative gestures and empty promises.