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I don't see that. If he had just nutted up to SCOTUS, pulled a Jackson and just said "well shit, here's the thing. MY copy of the law says nothing about large-scale forgiveness or loan modification being the purview of Congress, so I'm just gonna have the DoEd go ahead and discharge all those loans. If YOU want to tell them that they still owe that cash, go right on ahead", I think that would've created a HELL of a lot bigger headache had Trump won - now instead of simply having to tell people "well too bad you have to start paying again", you have to do a LOT more work to notify people that "hey your loans that were forgiven two years ago, we want that money back" and generate a LOT more political ill will in the process.
I thought the supreme Court already ruled on that saying he didn't have the authority? I remember that the lower courts ordered him to halt and not pay out prior to that, while they had just started accepting applications.
The negotiated rulemaking plan B attempt was different.
It's all a mess like everything else in Government. Next year is going to bankrupt people when payments have to resume. Then there are tariffs and trade wars and whatever else. Hope we will be ok.