Miniature graduate standing in between frayed rope.
Millennials who received student-loan forgiveness have been able to invest in their futures.
  • Biden has implemented targeted student-loan forgiveness efforts over the past few years.
  • BI spoke to some millennials who received relief through different programs.
  • It's allowed them to save for retirement and make investments in their futures.

Scott M. Smith, 40, wasn't expecting student-loan forgiveness.