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Biden should have gotten congressional approval. It is why the PPP loans were a thing and these aren’t right now. He got people’s hopes up rather than actually getting it done.
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.
Using the heroes act I think gave them cover to argue that this was relief related to the pandemic, like PPP loans, which has honestly been an effective strategy to win over moderates on the issue - myself included. It seduced us into thinking that this was justified because PPP loans were not, and that two wrongs made a right. In reality, the repayment freeze was the relief we needed - anything beyond that would be economic stimulus, at which point you have to ask who's being left out. The further this gets from the pandemic, the more difficult it becomes to justify.
He did do what he could but ultimately Republicans care about bailing out themselves, their friends and private businesses and don’t give a shit about regular citizens.
Or maybe we just don’t agree that taxpayers should bail out the poor financial decisions.
FTFY
College graduates make more than the average high-school graduate by a large margin. College graduates are hardly 'the poor', particularly after they get into the workforce and start making money.
Like Republicans would let him (and you need them to survive a fillibuster, because the US political system is weird). They clearly care a lot about not letting Biden have big wins and they don't give a shit about students. Biden took the option that actually stood a chance instead of the one that is unlikely to go anywhere.