Even before Joe Biden announced his intention to eliminate up to $20,000 in student loans, the US president was threatened by his right-wing opponents.
Since the proposal was proposed, talk of a legal threat has become louder as Republicans have declared they will oppose it in court.It's unclear how serious these legal issues are.
Debt forgiveness proponents are also disputing the political threat to the idea, as Republicans have made it a midterm election talking topic.
The plan, which include forgives federal student debts of up to $20,000 for Pell award winners and up to $10,000 for all others, will help millions of Americans with student loan debt.
Individuals who earn more than the yearly income limit of $125,000 are ineligible for student debt forgiveness.
Loan service providers stand to lose from Biden's plan, but it's still not clear if companies will fight the cancellation in court and say they remains to be "harmed."
Since Biden's statement, virtually every major loan servicer's website has collapsed or encountered traffic issues as borrowers hurried to verify the status of their loans or seek further information.
Law professor Jim Hawkins, a specialist in lending law, says Ted Cruz is correct to worry about the amount of labor it will take to challenge the Biden administration for student debt cancellation.
Another uncertinity is how far some are ready to go to call into question the constitutionality of Biden's use of his authority to cancel the debt.
Biden utilized the 2003 Heroes Act to eliminate student loan debt, which allowed the secretary of education to amend any student assistance statute after September 11.
Miguel Cardona, Biden's education secretary, released a Department of Justice legal opinion stating the Covid-19 outbreak is a national emergency.