"about limits on income I have not heard of them"

Are you using the web searches at all, as I suggested?

Try this one:

arpa student loan forgiveness income limit

"Under President Biden's student loan debt cancellation plan, the Department of Education will provide student loan relief up to $10,000 to borrowers whose loans are held by the Department of Education, and whose income is less than $125,000 per year. For married couples who file jointly, the student loan cancellation income limit is $250,000. (Each spouse will be eligible for up to $10,000 in student loan cancellation). For Pell Grant recipients, student loan relief of up to $20,000 is available."

https://www.kiplinger.com/taxes/605127/will-student-loan-debt-cancellation-hurt-your-taxes

https://www.kiplinger.com/biden-forgives-student-loans-what-it-means