“While the current payment pause and interest waiver has helped millions of borrowers… [it] cannot be a substitute for across-the-board student debt cancellation,” Ashley Harrington, a higher education expert at the Center for Responsible Lending, told Yahoo Finance. “And while it is great that the time in suspension counts towards IDR and PSLF, we know that these and other programs are desperately in need of improvement as very few borrowers have actually received relief through them.”