Today marks the day of reckoning – the Supreme Court has heard oral arguments related to President Joe Biden's student loan forgiveness program. Representing the Biden administration is U.S. Solicitor General Elizabeth Prelogar. She argued that the administration had legal authority to provide relief to borrowers financially harmed by the pandemic, citing the Higher Education Relief Opportunities for Students Act of 2003, or HEROES Act. After Prelogar, the Supreme Court heard from Nebraska Solicitor General James Campbell, arguing on behalf of six states who said the plan amounted to an unlawful attempt to erase an estimated $430 billion in federal student loan debt.

Next came the second case, brought by two student borrowers - Myra Brown and Alexander Taylor. Again, Prelogar argued that the borrowers didn't qualify for full relief in the first place and won't have any financial damage if the plan is allowed. Representing these borrowers was