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The Biden Administration's Student Loan Forgiveness Program

Student loan debt has been a financial burden for millions of Americans. With outstanding student loan debt now exceeding $1.7 trillion in the United States, the Biden Administration has made addressing this issue a priority. One of the main initiatives from the Biden White House on student debt has been the implementation of broad student loan forgiveness programs.

An Overview of Biden's Student Loan Forgiveness

President Biden first proposed the idea of canceling $10,000 in federal student loan debt per borrower while on the campaign trail. This initial vision has since expanded into different aspects of student loan forgiveness:

  • Up to $20,000 in debt cancellation for Pell Grant recipients
  • $10,000 in forgiveness for other federal student loan borrowers
  • Fixes to existing student loan forgiveness programs like Public Service Loan Forgiveness (PSLF)

The Biden Administration has provided targeted student debt relief to borrowers who were defrauded by their institutions, those with disabilities, and other affected groups. For most borrowers though, the main focus is on whether widescale debt cancellation will occur.

Challenges in Enacting Broad Student Loan Forgiveness

There have been several complications that have made the path to student loan forgiveness difficult for the Biden Administration:

  • Legal challenges - Lawsuits have questioned the President's authority to cancel debt without Congressional approval.
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