In a recent survey, nearly half of student loan borrowers are optimistic about future forgiveness of their debts. The “How America Pays for College” report by Sallie Mae reveals that 48% of borrowers expect the government to excuse their education loans. This annual report, conducted between April 8 and May 14 by global market research company Ipsos, gathered insights from 1,000 undergraduate students and 1,000 parents of undergraduate students. Despite the widespread optimism, consumer advocates caution against making borrowing decisions based on the assumption that debts will be canceled. Th…