I was simply pointing out the most politically hot topic that such a risk assessment would run into, but if you prefer to put class first that is your prerogative. Of course, with even a small amount of research you might find that these issues tend to collide and ethnicity is what gets talked about the most. You might also find out that the disparate rate of repayments between ethnicities is perhaps the leading issue for those who favor debt forgiveness, many of whom frame it as a civil rights issue [0][1][2][3].
That said, it's perhaps a moot point because Biden's not forgiving anything, and the way things are looking I don't imagine Congress will any time soon either.
