> Im not sure who's right here, you said there was a law to adjudicate student forgiveness, but the article states that congress never passed any rule reversing executive action on the matter.

The executive action didn't technically erase the legal process, it just created administrative barriers to recovery and limited the amount of recovery to less than the full amount at issue even where all the hoops it erected were jumped through.

That borrower defense to repayment is an existing legal process has never been in dispute.

> So, if executive action by trump's cabinet was responsible for eliminating the existing process

It was not, the process wasn't eliminated it was just made less effective.