Biden drug his feet as long as possible on doing anything then only made on single token the gesture because he knew the court would instantly undo it and then he could pretend he tried (a court he never supported reforming in any meaningful way, not coincidentally).

If he actually gave a shit he could have ordered the debt discharged before courts had any opportunity to involve themselves, or could have at least tried multiple different orders (like how Trump was willing to do with his travel bans), but the fact is Biden never actually wanted to deal with student debt because he worked most of his career to build this system and thinks it’s a good way to keep young people from getting too uppity.