Honestly, you probably got downvoted because federal student loan forgiveness (which I didn't see Conor mention anywhere) sounds an awful lot like like spam and off-topic. However, your email with 'crypt' in it seems that you're at least partly on topic and your addressing the OP by first name shows that at least you're not a bot (or perhaps a very smart bot) :) I upvoted you for the benefit of the doubt anyway.