CNN
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Americans across the country are sharing their mixed reactions to President Joe Biden’s actions. decision forgive up up to $20,000 in student loan debt for millions of borrowers.

Biden announced environment that borrowers who keep credits with department of Education and earnings of less than $125,000 per year are eligible for up up to $20,000 in student loan forgiveness if they have received Pell grants, which are available to students from low- and middle-income families. Individuals who earn less than $125,000 a year year but did not receive Pell grants. for $10,000 in loan forgiveness.

Reduction of student debt paired with with freeze removal plan on federal student debt payments, start in January 2023.

Biden said that “targeted action by the administration for families who need it’s the working and middle class people hit especially hard earning less than $125,000 a year during the pandemic year”. He stressed that “about 90% of eligible beneficiaries earn less than $75,000.”

But the nation is divided over Biden’s decision flooding social media channels with praise or criticism. A lot of view Executive order as a turning point for millions of Americans are drowning in debt, while others say it’s unfair to those who made sacrifice and work hard to pay off their college debt.

Here’s what some Americans are saying about the Biden plan.

Pamela Bone, 59 years old.year-old-timer of Atlanta, Georgia. her junior daughter she has cerebral palsy which inspired her to become a teacher for high school students who have moderate mental retardation.

Bone said she and her family moved from Seattle after her daughter was born and did not stay long home to be there for her through several operations and appointments with the doctor. She is also volunteered for her daughter’s school and said she was “generally amazed of time, care, attention and love that her teachers gave”, which motivated her to go back to school in earn her master’s degree and her specialist degree.

“I wanted to give back students that my daughter received from loving people and just knew it was mine true call in there will be life,” Bone said. “Needless to say that cost get the required credentials was at a high level cost but also needed as I was now divorced and in need of care for me and my daughter”.

Even though teachers are underpaid, Bone said her profession “near and dear” to her heart.

“Cancellation of this is debt so I can put more to the side for my daughter’s future ensure a life that is comfortable and meaningful for us both, for which I am sincerely grateful,” she said.

Jo Ann Hardy, 66year-old from Detroit, Michigan, says her family is a middle class African American. She and her husband, jerry, paid for her daughter to earn her master’s degree in 2004. Three of them made sacrifice and work hard to pay for her daughter go to college with in help of several academic scholarships, she says.

“We made It! No credits! Although we did not require credit support, we are pleased that President Biden announced plan help provide some relief for pupils who I had to take out loans,” Hardy said. We are smart and compassionate enough to know that not all students and families can handle it off without help!”

Hardy in full support of an attempt to alleviate some of in student loan debt for borrowers. They said they knew students and families over of the year who “given their all and continue to make a significant contribution as professionals in in our communities and throughout the United States.”

“For those who could do it without student credits – BRAVO! For those who need a loan help – BRAVO! Hardy said.

Brian Lonsberry, 34, resides in Scottsburg, Indiana.

lonsberry says he and his wife both worked throughout their time in college and made donates early after college to pay back their loans.

“Now this loan forgiveness is a slap in the face in in face to us. We did the right thing and fulfilled the obligation we signed up for,” he said. “This policy, no matter what side of island you send wrong message. This time it’s 10k, but then next time people always want more. It’s not sustainable.”

lonsberry says it supports getting higher education, but believes that every person responsible for their own payments.

“In the end of day, no one seems want to take the responsibility for their actions. People need to step up and be responsible for themselves and their decisions, but now it seems to everyone just wants a handout,” he said.

Elijah Watkins, 28, from Atlanta, Georgia.

Watkins says Biden student a loan forgiveness plan means he can move out of his mothers house. From the very beginning of coronavirus pandemic, Watkins says he lived in difficult environment which made him choose between paying for rent or payment off student loans. He chose the latter.

“This means that I can begin taking more steps in my adult life for major purchases like buying my first homereceiving new car or investment back into my own business”, Watkins said.

“Outside of Obamacare, this first time with the president directly affected my daily decision By doing this I am proud to be a citizen of United States of America,” he said.

Brian Garten is 30.year-old-timer of Jacksonville, Florida.

Garten was a borrower from Pell Grants, as well as from several small scholarships and worked several jobs in college. He should have taken out $26,000 in student loans in addition to his federal student credits, he says and signed up for income-based repayment plan, never missing a payment for seven years.

Garten still has $21,000. in loans to pay off which he says it would take him at least 20 years.

“Until now, it has prevented me from reaching important life milestones,” he said. “I couldn’t even accept the idea of preservation up money for a down payment on and house and no way I could afford start a family”.

garden says his student loans affect all aspects of his life and Biden’s plan to forgive “will change everything for to me.”

He expects to get full $20,000 in forgiveness and pay off the remaining balance must be completely free of college loan debt.

“I am planning on purchase new car, with guarantees, and guarantee of reliability for observable future,” he said. “This will be my biggest purchase and what I consider a significant investment in my future. This student Loan forgiveness gives me hope move forward in my life where there was none before.

John Visser, 56, lives in Dallas, Texas.

Visser, who calls himself a progressive democrat, against Biden decision. He said he didn’t agree with “Handouts for people with financial difficulties.”

“If they couldn’t repay it, why did they borrow it? in in first place? he said.

Visser said his wife passed away 12 years ago, leaving him with a single income household and bills he couldn’t afford.

“I made some hard choices, put yourself on strict budget and paid down in debt as fast as possible. Why a similar plan shouldn’t be the same for student borrowers? If they went to college, they should be able to manage their finances,” he said.

Visser joined United States Army in late 1980s to earn The Army College Foundation, Enrollment Incentive Option G.I. Rights Act benefits from the fact that help with school or tuition expenses for qualifying veterans. The benefits he earned helped pay for his college while working full-time, Visser says.

“It seems rather unfair now to have a part of my taxes go to pay for those who took en easier way to their degrees with no contribution back society,” he said.

Rachel Clark, 31, resides in Atlanta, Georgia.

Clark was first human in her family to earn four-year degree at the university. She was brought up in as well as out of poverty and the idea of moving leaving for college was daunting. Her mother was not informed about financial Help process and idea of her senior daughter moving away from home “Scared her,” Clarke said.

Clark completed a free application for Federal Student Assistance Service (FAFSA) to find out she had an expected family contribution of zeroshe says.

During her first year of college, clark took out both subsidized and unsubsidized loans to pay for remainder of her tuition and university fees, such as books, supplies, and housing expenses. She worked a full temp job while in college to support herself, but times what caused her grades suffer. Clark says This was miracle that she was able to finish with 3.4 GPa.

“I went to the field of pre-school education almost immediately and found that my hopeful aspirations of my future career was just as dark as my ideas of were in college,” she said.

Clark has earned approximately $20 an hour as a teacher for almost a decade and she pays off her loans in payments less than $100 per month as part of of her income-based repayment plan.

“I did the math once – it’s highly probable that I DID before I paid off my student loans. with a burden of student loans off of my shoulders, I can finally breathe,” she said.

Clark added that she feels “so free knowing that student debt is one less weight and I’ll have to keep sinking under it.”