I was gonna title this "And here I sit so patiently waiting to find out what price you have to pay to get out of going through all these things twice" and then write "Stuck inside of America with the fascism blues again" here, but I'm not sure if that comes off like gloating and that's honestly the last thing I want to do this morning.
This is basically what FDR did with a lot of his social and work programs during his presidency. He'd establish an agency or authority or whatever, regardless of the legality, and by the time the court's or whoever made the decision to close it, they'd have 5 others going simultaneously, and/or they'd make another one. And the process would start all over again.
Yup. The nice thing about policy that helps everyone is that it's incredibly unpopular to kill. Biden could have burned student debt in the most visible way possible, and then dared the SCOTUS to create new debt. If they took the bait, you'd have 46.2 million people ready to vote for anyone who promises to expand the SCOTUS.