Tax bomb planning

According to my IDR tracker, I have 20 months left until 300 payments. That puts me towards the end of 2026 for forgiveness, assuming my IBR application goes through in reasonable time. That also means that next year, I will get the “tax bomb” of about $114,000 in additional income assuming nothing changes with that taxability status between now and then. A couple questions: 1:) Is there and rational or reasonable speculation as to what might happen once the law of tax free forgiveness expires after this year. 2.) What steps are people doing to prepare for the tax bomb? I’m not sure owing $30k to the IRS feels better than owing $114,000 in student loans.