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He doesn’t need congressional approval. The President can use the Higher Education Act authorization and direct his Secretary of Education to modify or waive any and all loans.

Waiting to see if he follows through on this. No idea why the White House tried to use the Heroes Act to justify the cancellation, but it’s clear that if Biden chooses not to enact cancellation with the Higher Ed Act that it was always meant as a carrot on a stick for young voters.