You’ve probably heard about President Joe Biden’s attempt to do an end-run around the courts that are now considering the legality of his executive order for lump-sum student debt forgiveness. He is now trying to shrink or eliminate payments for students who are in repayment. Those privileged enough to have attended college would now have to pay, at most, 5% of their incomes above 225% of the federal poverty level — considerably less than the 10% of income above 150% of the poverty level that they must now pay.