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The courts have no way to enforce their rulings directly. Nothing is stopping Biden from ignoring them except for norms and the the real shitstorm it would cause.
I don't know about shit storm. Student loan forgiveness was clearly within the presidential powers in the HEROES Act of 2003. Loan forgiveness is also overwhelmingly popular with the voters on both sides of the aisle. Since the SC has no teeth to enforce rulings, Biden could just wait until a month after reelection and do it anyway, with near-zero consequences. Nobody is coming for him for making them not owe $10,000, especially since the plaintiffs in the SC case were unwilling, unwitting, and could not prove any harm.
I say that under the assumption Biden wouldn't lose to another candidate, and the Democrats retain at least one of the Congressional Chambers. In this fucky timeline, who knows what the USA will look like in 2 years
The shit storm would be over ignoring the supreme court, not loan forgiveness.