The president’s plan to forgive tens of billions in student loan debt has been blocked, but the administration has still managed to cancel billions in debt through other relief programs. Some planned changes, however, could make it easier for future borrowers to find relief. Those changes depend on whether an administration friendly to borrowers remains in the White House. The complexity of paying student loans starts early: The federal government offers a grace period of six months to fresh college graduates in which they’re free to skip their payments, similar to the student loan moratorium, as they establish themselves in the world.  The price of that postponement, however, at least until now, was that interest kept…