President Donald Trump entered office intent on reversing most of the Biden administration’s student loan forgiveness agenda, and his administration has generally lived up to that goal.

In December, the Education Department settled a lawsuit against the Saving on a Valuable Education program, commonly known as the Save plan, President Joe Biden’s loan repayment scheme that set monthly payments for borrowers as low as $0 and canceled their balances after a certain period. Shortly afterward, the department announced it would restart wage garnishment, meaning that borrowers who defaulted on their loans could have seen up to 15 percent of their paychecks withheld to cover the overdue balance. The message seemed clear: Student loan forgiveness is dead.

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