I wonder very much if Biden can instead mandate payments "going to zero" by mandating interest rate cuts to 0% and allowing borrowers by decree to just not pay. I've heard some trickles this is actually well within the rights of the Department Of Education to do.

I've also seen some people advocating for a general student loan payment strike, but that feels dicey. Everyone would need to do it, basically, and there's no way to prove solidarity, it'd be a legal mess IMO.

The 3rd, although more out there idea, has to do with setting up specialty bankruptcy support for student loans, allow them to be dismissed via proceedings, without it being reported negatively on a credit report.

I don't think there's any good alternatives to legislating it, if one wants to pursue relief here, except removing interest rates or something of that nature.

I myself am withholding my own opinions, other than to say I support student loan relief efforts. I'm just cataloging what I'm seeing in (anecdotally of course) large numbers online people talking about.

EDIT: I don't often do this, but I think its odd this is getting down votes. Lets discuss this on merits, even if the theories are "out there", its worth considering why these ideas are popular in the first place.