The feds have no constitutional authority to get involved in things like student debt.
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Congress wrote the law.
The courts can determine if the law is constitutional or not.
Allowing some debt to be discharged by bankruptcy but not allowing other could be considered as discriminatory or not treating all citizens as equal.
Not a lawyer, just an opinion and as always I could be wrong.
Congress write all kinds of unconstitutional laws.
The Constitution and ONLY those laws that are consistent with the Constitution are the Supreme Law of the Land (read U.S. Const., Art VI, Cl 2).
The Constitution tells the feds what they are allowed to do. The feds don’t tell the Constitution what they may do.
America was founded as a free nation under the Rule of law (the Constitution), not the Rule of man (whatever Congress comes up with next regardless of the Constitution).