More than a year after Joe Biden left office, the chaos the former president created in the realm of student loans continues. 

Throughout his time in the White House, Biden promised things like loan forgiveness and zero monthly payments – promises he couldn’t deliver on (legally, anyway). Endless payment pauses and on-ramps meant most borrowers were off the hook paying loans for more than four years. 

At this point, basically all of the Biden administration’s efforts regarding loan cancellation have been overturned in the courts or by President Donald Trump's team. 

Yet, it’s left many of the more than 40 million Americans who have federal student loan debt with a feeling of entitlement that they shouldn’t have to pay the loans they knowingly took out and had agreed to pay back. 

A record-high number of these borrowers are simply giving up and defaulting on their loans – 7.7 million, which amounts to $180 billion, according to March data from the U.S. Education Department. In addition, a quarter of borrowers are more than 30 days delinquent on their payments, which means they’re also on the path to default. 

“Although the first wave of delinquent borrowers’ accounts has........

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