President Joe Biden made a campaign promise to “shut the virus down.” He made this claim repeatedly because his advisers thought he had stumbled into a clever saying about not shutting down the country again. Now, almost two full years into his term, Biden is using presidential authority he believes he has under the 2003 HEROES Act to suspend student loan payments once again and, on top of that, attempt unilaterally to waive up to $20,000 in Pell Grant student loans or $10,000 in other loans.