"Anyone have a clearer answer?"

Search on ARPA and Student Debt...

https://www.cnbc.com/select/states-waiving-taxes-for-student-loan-debt-forgiveness/

"In March 2021, President Joe Biden signed the American Rescue Plan into law, which included a clause regarding student loan forgiveness saying that any federal student loans that were discharged between 2021 and 2025 would not be considered taxable income — in terms of federal taxes."

https://www.journalofaccountancy.com/news/2021/dec/lenders-should-not-report-student-loans-discharge...

When ARPA came out, it revealed the intention for some federal forgiveness action. That's why it was in the news all this time as "potential."

States will vary...

https://www.cnbc.com/2022/09/08/you-may-owe-taxes-for-federal-student-loan-forgiveness-in-these-stat...