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It's simply more cost effective this way. He gets more people out of debt for the same value of money.
In other words form an illusion he’s helping without actually having to help.
Yes technically he’s helping but he’s helping the people that need help the least. It’s like handing out stimulus checks to people who are already cash rich.
In the end it’s just a big publicity stunt to secure votes. This isn’t what real help looks like.
If the people are indepted then they're clearly not rich, just because they don't have as much of a dept as some other people. And yes, of course it is to secure votes. Welcome to politics 101. The same reason why no country on Earth actually does any meaningful shit against climate change. Because no one would vote for you once they realize what that would actually entail.