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The broad fast debt relief that Biden wanted WOULD require Congress. That is a fact.
That said, the day the court struck down the broader plan, Biden announced he would be moving forward on slower tactical ways of working within other laws and programs that would be much harder to combat in court. Many were worried that this approach, sans new bipartisan legislation, would not cover as many people. That is likely true.
If someone was arguing with you that Biden could do nothing, then they clearly didn’t listen to Biden, because he gathered the press that afternoon and outlined a plan that he has been executing for the past 11 months.
https://www.whitehouse.gov/briefing-room/speeches-remarks/2023/06/30/remarks-by-president-biden-on-the-supreme-courts-decision-on-the-administrations-student-debt-relief-program/
They were arguing that before Biden signed debt relief.
So you were arguing with some randos on the internet, and those people thought debt relief would require a bill, and not executive action, and your take away was that all centrists didn’t want debit relief?
It was a common enough argument among centrists I interacted with that I reached the conclusion that it was the prevailing consensus.