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It also is important to note that Biden's plan was insufficient to begin with. As with the $15 minimum wage, it's too little too late and they still aren't able to do it.
If you're saying it was insufficient because it was "just" forgiving $10-20k per person, that's never been true.
There was also a lot about restructuring the repayment system. Cutting how much "discretionary income" borrowers owed every month, changing how "discretionary income" was calculated to make it more generous, loan forgiveness after 10 years instead of 20, removing monthly interest under income-driven repayment plans so the balance won't grow because the borrower doesn't make enough.
The focus has been on the bulk forgiveness but all the other reforms are badly needed as well.
Probably that Biden took the route that he knew would be challenged and struck down because like any establishment democrat, he loves pretending he's working on issues but in reality it's all a dog and pony show. What are the odds that one of the main proponents of making student loans non-dischareable through bankruptcy would be the one to fix any part of the student loan crisis?