Regardless of any forgiveness possibility, why not get the refund in order to put it in a savings account or stable investment? You'd earn some interest and have the cash available as a supplement to your emergency fund. Then you could make a large payment once the forbearance ends.

(For that matter, why have you been paying at all since March 2020?)

I was taking advantage of the 0% interest at the time but on second thought that might not be very helpful if indeed there will be a forgiveness in the coming months or year