After the Supreme Court soundly rejected President Biden’s illegal attempt to bail out student loan borrowers the path forward for loan repayments should have been crystal clear.

According to the timeline established by Congress and agreed upon by the President himself during the debt ceiling negotiations in early June, interest on student loans was set to resume on September 1st, with payments due in October.

Unfortunately, President Biden appears determined to sidestep the rule of law, enabling borrowers to shirk their financial obligations with minimal repercussions.

Ignoring the schedule laid down by Congress, the Biden Education Department has granted borrowers a one-year grace period during which their failure to make loan payments will not result in any consequences like delinquency reports to credit bureaus, default status, or debt collection actions.

Though interest will continue to accrue, it won’t capitalize after the grace period concludes. The Department of Education euphemistically labels this an additional “safety net,” but for Congress and the American taxpayers, it’s a blatant disregard for accountability and fiscal responsibility.

Let’s not forget that the existing pause on loan payments and freezing of interest was already a generous safety net in itself. By October 1st, this “emergency” measure will have persisted for an astounding 40 months, extending well beyond the duration of the actual emergency situation.

The timeline for restarting loan payments has been known since June 3, when President Biden signed the debt ceiling bill. Further, Secretary Cardona had informed the public as early as August of last year that the final extension for pausing payments would expire at the end of 2022.

Borrowers have had ample time to prepare for the financial responsibility they willingly undertook.

Now, the loan servicers are left to send out what can loosely be described as bills, since they come with an escape clause for those who opt not to pay. Call it Plan C in President Biden’s ongoing attempts to foist the burden of student debt onto American taxpayers.

Plan A, his original bailout, was shut down by the Supreme Court. Plan B is his newly unveiled Income-Driven Repayment strategy, estimated to cost taxpayers a staggering $558.8 billion over the next decade.

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As Plan C unfolds, President Biden is already laying the groundwork for Plan D—maneuvering through the federal rulemaking process to permanently offload the responsibility for student debt from borrowers to the American public.

This one-year grace period appears to be nothing more than a tactical delay, designed to give the administration time to cement new rules that will allow for mass loan forgiveness without Congressional approval.

These developments raise significant concerns. The Biden administration’s cavalier approach to the $1.6 trillion federal student loan portfolio is like playing Santa Claus to a select group of beneficiaries, leaving taxpayers to pick up the tab.

Unless Congress intervenes to either extricate the federal government from the student loan sector or compel the Department of Education to manage these loans with the taxpayers’ best interests at heart, this troubling trend is likely to continue.

If student loans were managed efficiently and education programs provided a genuine return on investment for borrowers, these loans could actually be beneficial for the federal balance sheet. President Biden’s ongoing mishandling of the program makes such an outcome increasingly unlikely.

In the end, the Biden administration’s efforts seem less like responsible governance and more like a persistent quest to raid taxpayer coffers. The objective remains the same; only the methods are being altered.

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