have the IRS quit counting debt forgiveness as income.

If a person losses their home due to foreclosure, they should not be taxed because of the loss. It is a loss, not an income. In a similar situation, a disabled person seeking forgiveness of a student loan should not be taxed on an income based on the loan being forgiven. Disability is not a source of income. Taxing people because they lost their home due to foreclosure or asked for student loan forgiveness because they became disabled is basically kicking someone when they are down.