Biden has a mechanism written into law that allows the Department of Education to cancel student debt. He could relieve trillions in student debt in less time than it took to make that flowchart. He could do it right now. He won't because he doesn't want to.

Instead, he chose to use a method that could be easily blocked by the courts. Why? So he could throw his hands up and still have blue maga claim he tried his damnest, but was thwarted by le ebil Republicans. Your boy is a fucking Republican. He's the same fucking dude that made sure student debt could not be discharged during bankruptcy. He never wanted to do it, but he found a nice way to win over some white PMC Democrats strattled with student debt.

Dems would rather lose and blame Republicans than implement progressive policy because their donors will replace them with people who won't implement progressive policy. They will use whatever "parliamentarian said no" invocation so long as you keep buying it.