President Joe Biden announced in 2022 that he would use executive action to forgive many government student loans. The move was meant to alleviate the weight of $1.8 trillion in federal education debt, a figure that has more than tripled in the last 15 years. But the plan faces two challenges before the Supreme Court, and a pause in student debt payments imposed during the pandemic is set to expire. Whatever the court’s ruling, millions of Americans are expected to fall behind on their debt and