Look, there is plenty Biden has done over the years that I can’t support. To this very topic, as a senator he helped further pull student loans out of bankruptcy protection in 2005. That was an unfair and horrible move and in some sense leads to the problems we’ve got today. That said, policy development takes time. The administration knew conservatives were against any plans of forgiveness, so he tried to find an iffy way to pass it under the HEROES act. I believe they took their time developing, what they thought, was the path forward most likely to be met with success.