# Thousands of dollars in student debt cancelled. Good news, right?

**URL:** <https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242>\
**Category:** Politics & Elections\
**Created:** [August 24, 2022, 7:55pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242 "2022-08-24T19:55:31Z")\
**Posts on this page:** 20\
**Page:** 20

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**Author:** ![Kimstu](https://avatars.discourse-cdn.com/v4/letter/k/ecd19e/32.png) [@Kimstu](https://boards.straightdope.com/u/Kimstu)\
**Post date:** [September 3, 2022, 6:05am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/381 "2022-09-03T06:05:36Z")

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No, it was a conditional statement. Didn’t you read the “If”?

The basic point, in case I need to explain it again, is that the artificial distinction you were trying to draw between the government deciding to change the amount people owe on taxes and the government trying to change the amount people owe on student loan debt is nowhere near so meaningful as you seem to believe.

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**Author:** ![D\_Anconia](https://avatars.discourse-cdn.com/v4/letter/d/67e7ee/32.png) [@D\_Anconia](https://boards.straightdope.com/u/D_Anconia)\
**Post date:** [September 3, 2022, 6:24am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/382 "2022-09-03T06:24:59Z")

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There’s a major difference between a law enacted by Congress, and signed by the President, and an executive order or agency rulemaking. See Checks and Balances, and Separation of Powers.

A major EPA rule recently got shot down, as did some of the pandemic regulations. This action appears to be on the same shaky ground, relying on the HEROES act to allow the EdSec to “grant students relief from loan requirements during specific times of crisis, such as wartime or national emergencies.”

COVID is no longer a national emergency, and besides, as various courts have ruled, emergency powers cannot last indefinitely.

BTW, do you know if the VA loan waiver program you mentioned earlier was based on executive action, agency rulemaking, or a duly enacted law?

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**Author:** ![crowmanyclouds](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/crowmanyclouds/32/19884_2.png) [@crowmanyclouds](https://boards.straightdope.com/u/crowmanyclouds)\
**Post date:** [September 3, 2022, 6:29am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/383 "2022-09-03T06:29:11Z")

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If this becomes a law enacted by Congress, and signed by the President will you then be OK with it?

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**Author:** ![Kimstu](https://avatars.discourse-cdn.com/v4/letter/k/ecd19e/32.png) [@Kimstu](https://boards.straightdope.com/u/Kimstu)\
**Post date:** [September 3, 2022, 6:34am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/384 "2022-09-03T06:34:34Z")

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> [@D\_Anconia](#):
>
> There’s a major difference between a law enacted by Congress, and signed by the President, and an executive order or agency rulemaking.

Granted that there are major differences between those two types of government action. But their differences have nothing to do with whether the change in financial obligations imposed by either of them constitutes “letting people not live up to their commitments”.

> [@D\_Anconia](#):
>
> BTW, do you know if the VA loan waiver program you mentioned earlier was based on executive action, agency rulemaking, or a duly enacted law?

AFAICT [current and recent actions about VA debt waiving options seem to be initiatives within the agency itself.](https://www.va.gov/opa/pressrel/pressrelease.cfm?id=5817) There are also [legislative actions regarding VA debt collection such as this one,](https://www.congress.gov/bill/117th-congress/house-bill/2935/text#toc-H2EF41CF598AD4848AB6927C997644D1C) but I don’t see anything there specifically about debt waiver enactment.

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**Author:** ![D\_Anconia](https://avatars.discourse-cdn.com/v4/letter/d/67e7ee/32.png) [@D\_Anconia](https://boards.straightdope.com/u/D_Anconia)\
**Post date:** [September 3, 2022, 6:40am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/385 "2022-09-03T06:40:04Z")

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Do you think that people paying the taxes the law requires are “letting people not live up to their commitments”? Because that’s pretty much what you said.

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**Author:** ![crowmanyclouds](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/crowmanyclouds/32/19884_2.png) [@crowmanyclouds](https://boards.straightdope.com/u/crowmanyclouds)\
**Post date:** [September 3, 2022, 6:42am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/386 "2022-09-03T06:42:55Z")

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The law that said people pay a lot of money to have changed so they can pay less in taxes?

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**Author:** ![Kimstu](https://avatars.discourse-cdn.com/v4/letter/k/ecd19e/32.png) [@Kimstu](https://boards.straightdope.com/u/Kimstu)\
**Post date:** [September 3, 2022, 6:45am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/387 "2022-09-03T06:45:52Z")

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> [@D\_Anconia](#):
>
> Do you think that people paying the taxes the law requires are “letting people not live up to their commitments”? Because that’s pretty much what you said.

What I did say is that officially decreasing people’s student loan indebtedness to a smaller amount is no more “letting people not live up to their commitments” than officially decreasing people’s tax obligation to a smaller amount. This is about the third time I’ve explained this, and it seemed to me clear enough the first time.

That is separate from the question of whether a particular type of governmental mechanism for enacting the decrease—i.e., an executive order versus a legislative act—is determined to be legally valid. Which, again, I thought was clear enough the first time I explained it.

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**Author:** ![D\_Anconia](https://avatars.discourse-cdn.com/v4/letter/d/67e7ee/32.png) [@D\_Anconia](https://boards.straightdope.com/u/D_Anconia)\
**Post date:** [September 3, 2022, 6:51am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/388 "2022-09-03T06:51:40Z")

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Do you support executive orders in lieu of legislation?

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**Author:** ![Kimstu](https://avatars.discourse-cdn.com/v4/letter/k/ecd19e/32.png) [@Kimstu](https://boards.straightdope.com/u/Kimstu)\
**Post date:** [September 3, 2022, 7:23am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/389 "2022-09-03T07:23:10Z")

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What does “in lieu of” mean? Obviously both executive orders and legislation can have legitimate governmental purposes.

You seem to be loading your question to imply that executive orders are intrinsically bad because they’re somehow usurping the role of legislation. Which, y’know, you’re free to have that opinion, but please state it candidly instead of the cryptic-insinuation business.

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**Author:** ![EllisDee](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/ellisdee/32/4531_2.png) [@EllisDee](https://boards.straightdope.com/u/EllisDee)\
**Post date:** [September 3, 2022, 12:03pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/390 "2022-09-03T12:03:37Z")

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In lieu of means instead of.

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**Author:** ![Kimstu](https://avatars.discourse-cdn.com/v4/letter/k/ecd19e/32.png) [@Kimstu](https://boards.straightdope.com/u/Kimstu)\
**Post date:** [September 4, 2022, 1:43am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/391 "2022-09-04T01:43:03Z")

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I know, thanks. Sorry, I didn’t make it sufficiently clear that my question meant “Does your use of ‘in lieu of’ in your question imply that you think EOs are illegitimately usurping functions that ought to be performed by legislation, and are you asking me whether such alleged illegitimate usurpation is something I support?”

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**Author:** ![Chessic\_Sense](https://avatars.discourse-cdn.com/v4/letter/c/7c8e57/32.png) [@Chessic\_Sense](https://boards.straightdope.com/u/Chessic_Sense)\
**Post date:** [September 5, 2022, 6:09pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/392 "2022-09-05T18:09:37Z")

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> [@Kimstu](#):
>
> [who got his ass absolutely handed to him in the Boomer-bashing thread](https://boards.straightdope.com/t/why-are-social-security-recipients-getting-stimulus-checks/852073)

That’s a weird way to describe shining an uncomfortable light on yet another selfish Boomer action. As if anyone’s ever going to stop bashing Boomers. But this isn’t the Pit, so.

> [@Broomstick](#):
>
> This older middle-class person who graduated college and paid off all the loans years ago _doesn’t need this help_

Neither do most of the people receiving it. That’s the whole point.

> [@Moriarty](#):
>
> There may be times when it does it poorly

Understate much?

> [@Miller](#):
>
> What’s the obvious, real motivation behind student loan forgiveness?

Buying votes for the midterms, of course. Or do you think it really took Biden 20 months to decide how to fulfill a campaign promise?

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**Author:** ![crowmanyclouds](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/crowmanyclouds/32/19884_2.png) [@crowmanyclouds](https://boards.straightdope.com/u/crowmanyclouds)\
**Post date:** [September 5, 2022, 6:45pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/393 "2022-09-05T18:45:23Z")

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> [@Chessic\_Sense](#):
>
> yet another selfish Boomer action

Funny, the folks I hear yelling the loudest to have student debt cancelled don’t look old enough to actually be boomers…

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**Author:** ![Miller](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/miller/32/481_2.png) [@Miller](https://boards.straightdope.com/u/Miller)\
**Post date:** [September 5, 2022, 10:24pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/394 "2022-09-05T22:24:05Z")

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> [@Chessic\_Sense](#):
>
> Buying votes for the midterms, of course. Or do you think it really took Biden 20 months to decide how to fulfill a campaign promise?

Oh, okay. You made “Do the thing he said he’d do if he got elected,” sound sinister, so I thought you were talking about something else.

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**Author:** ![chela](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/chela/32/21582_2.png) [@chela](https://boards.straightdope.com/u/chela)\
**Post date:** [September 29, 2022, 1:13am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/395 "2022-09-29T01:13:40Z")

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> [@chela](#):
>
> I read that too, various states talking heads are trying to find a litigant with legal standing. As state governments have no standing in the matter.
> 
> Just a matter of time before they look under the right rock or overpass and find a disgruntled party with a beef about it.

A wormy litigant HS been found

> **[Lawsuit filed to stop Biden administration’s unlawful student loan cancellation](https://pacificlegal.org/press-release/lawsuit-filed-to-stop-biden-administrations-unlawful-student-loan-cancellation/)**
>
> Pacific Legal Foundation filed suit against the U.S. Department of Education to block its illegal move to cancel more than $500 billion in student loan debt.

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**Author:** ![nearwildheaven](https://avatars.discourse-cdn.com/v4/letter/n/90db22/32.png) [@nearwildheaven](https://boards.straightdope.com/u/nearwildheaven)\
**Post date:** [October 18, 2022, 10:50pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/396 "2022-10-18T22:50:32Z")

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Here’s a link to the application. There’s got to be more to it than this, but this is stage 1 at the very least.

[https://studentaid.gov/debt-relief/application](https://studentaid.gov/debt-relief/application)

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**Author:** ![JohnT](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/johnt/32/15048_2.png) [@JohnT](https://boards.straightdope.com/u/JohnT)\
**Post date:** [October 18, 2022, 11:00pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/397 "2022-10-18T23:00:15Z")

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I swear to God I got an email on Sophia’s behalf and the form was so simple I was 72% convinced it was a phishing job. Did a LOT of research before I forwarded it to her.

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**Author:** ![chela](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/chela/32/21582_2.png) [@chela](https://boards.straightdope.com/u/chela)\
**Post date:** [October 18, 2022, 11:32pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/398 "2022-10-18T23:32:23Z")

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A verified fafsa account for most is all that is needed. Some will see the reduction automatically.

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**Author:** ![CaptMurdock](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/captmurdock/32/11736_2.png) [@CaptMurdock](https://boards.straightdope.com/u/CaptMurdock)\
**Post date:** [October 21, 2022, 7:56am UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/399 "2022-10-21T07:56:38Z")

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Ain’t this a kick in the keister…  
[Supreme Court dismisses student loan forgiveness case](https://www.npr.org/2022/10/20/1130394661/student-loan-debt-relief-supreme-court-dismiss).

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**Author:** ![D\_Anconia](https://avatars.discourse-cdn.com/v4/letter/d/67e7ee/32.png) [@D\_Anconia](https://boards.straightdope.com/u/D_Anconia)\
**Post date:** [October 21, 2022, 5:23pm UTC](https://boards.straightdope.com/t/thousands-of-dollars-in-student-debt-cancelled-good-news-right/970242/400 "2022-10-21T17:23:17Z")

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The Supreme Court didn’t dismiss the case. Justice Barrett declined to grant an emergency stay. The underlying case is still before the 7th Circuit.

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