Ok, so we're agreed that you're not affected at all but instead want to talk about an entirely different concern.
This concern is where does the money "come from?". No money is coming from anywhere, because no money is changing hands. It is debt that is owed that is no longer owed. No money is taken from any pool of money to pay is off, it is simply removed from the books. No government program is paying for this. No taxes are levied on you. You will not see your tax bill go up as a result of this. Levying taxes is a power of congress, no the executive, so Biden could not do this even if he wanted to.
Your next question is why are we helping these people who need it - we are helping them because they need it, because great countries take care of their own. You were able to pay off your loans - that's great! But many others did not fare as well, and it is in our collective interest that they not suffer so terribly for this financial burden. Less money being paid back to these programs (which have terribly high interest rates to begin with) means more money stimulating the economy. It means more money will trickle up to the corporation you work for, and you will see some measure of this benefit.
I would suggest that instead of spending so much time being upset about how some people at the bottom got some help you instead redirect that energy toward the programs benefiting those who do not need the help and are absorbing resources that utterly dwarf students having to pay $10k less - the military, oil subsidies, megafarm subsidies.
As long as we're punching, why not punch up instead of down?
EDIT: As for "why are we only giving to these people who need it" - great question! I would welcome giving more help out. I would agree this measure doesn't go far enough. We could be doing more, and we should demand that we do!
A dollar is a dollar. Why are we giving only college educated people that don't have enough money to pay their loans back $10,000?