In raw terms, Biden has successfully wiped out $144 billion of debt for around four million people - an average of $36,000 per person for a population a little larger than the population of Connecticut.
In real terms, he isn't going to accept anything other than complete dictatorship. Biden wins: Trump turns loose the tooth-challenged hordes. Trump wins: States like Connecticut move to protect their citizens by de facto rejecting Federal writ.
If you enjoyed USSR 1991, oh, boy.