I know that this far out polls don't really matter, but all the 538 polls in the last month except for one indicate Trump beating Biden, sometimes handily.
Student loan repayments haven't even started again yet.
Libs are going to be obsessing over Trump's legal troubles and expect that to save them, meanwhile completely ignoring all the other shit going on and how obviously unpopular their blue maga guy Biden is.
Don't forget to 
I think for like a year non-payment won't impact your credit rating but here's the deal Jack
Interest will accrue anyway so if you can't or won't pay you're even more fucked in the long run