Biden’s student loan forgiveness has focused on student loan borrowers with federal student loan debt. Biden has enacted targeted student loan cancellation for two groups of student loan borrowers, in particular. This include student loan borrowers with a total and permanent disability and student loan borrowers who were misled by their college or university under the borrower defense to repayment rule. This student loan forgiveness is based onexisting law and is not related to wide-scale student loan forgiveness, which has been proposed in Congress.