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While the Supreme Court heard oral arguments on Tuesday about challenges to President Joe Biden’s plan to cancel a significant tranche of federal student loans, Chief Justice John Roberts asked the question, ‘We’re talking about half a trillion dollars and 43 million Americans. How does that fit under the normal understanding of “modify?”’ The Biden administration contends that the HEROES Act, an existing law, allows the secretary of education to “waive or modify” any statutory or regulatory provision that applies to student financial assistance programs if the secretary determines that such action is necessary to ensure that borrowers are not…

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