He could have simply wiped the balances with executive authority and taken them off the federal balance sheet, then forced the Supreme Court to deal with the question of putting those accounts back on. We’ve heard multiple interviews from people inside the Department of Education at the time who openly said they didn’t believe Biden ever intended to cancel student loans in the first place. That’s why he created a convoluted approval process that wasn’t necessary and gave Republicans all the time they needed to organize their lawsuits.