First, I was totally wrong when I said I didn't qualify b/c I work at a private school (both unis I've worked at are private), that was my misunderstanding about what qualifies (the forgiveness program says "public" ya know), if you teach at a private school you most likely are eligible

Yes, I have colleagues (at my private uni) who have taken advantage of this.

I grew up poor so I have major money anxiety and the couple times I had looked into forgiveness it felt too stressful, but if you take a deep breath the tool to tell you if you are eligible is pretty straight forward here: studentaid.gov/pslf/