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Mr. Schumer spoke with Mr. Biden on Tuesday night to ask him to cancel as much debt as possible, according to a Democrat familiar with the conversation.
Legal challenges are expected, although who would have the standing to press their case in court is unclear. A recent Virginia Law Review article argued that the answer might be no one: States, for example, have little say in the operation of a federal loan system.
Mary-Pat Hector, a graduate student at Georgia State University and an activist who has pushed for loan forgiveness, said Mr. Biden’s move was an important first step to support those disappointed by the administration’s failure to accomplish other policy goals, such as providing two free years of community college.
“They were told: Vote because your life depends on it,” said Ms. Hector, 23, who has $50,000 in loans from Spelman College. “And then we’re here on the ground, months away from midterm elections, and people in these communities are wondering, ‘Well does my vote really matter?’”
In addition to college debt, Ms. Hector said her mother also borrowed to pay for her education. She criticized the administration’s decision to impose limits on who would receive loan forgiveness based on salary, noting that while some of her peers earned a healthy income, they would also be responsible for supporting younger siblings who might borrow to attend college.
“You’re still in inescapable debt from school, and you’re still taking care of your family and community,” Ms. Hector said. “My parents are probably in lifetime debt to get me in that position, and I’m going to have to repay them by ensuring my little brother is going to school. That’s the pressure you have.”
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