OMG, I know you're not smart enough to realize that you validated my point LOL. From the article...
The HEROES Act, Roberts emphasized, gives the secretary of education the power to “waive or modify” laws and regulations governing the student-loan programs. Congress’s use of the word “modify” means that the Biden administration can make “modest adjustments and additions to existing provisions,” Roberts wrote, “not transform them.” But the debt-relief program, Roberts stressed, instead “created a novel and fundamentally different loan forgiveness program.” The plan “modifies” student-loan laws and regulations, Roberts suggested, “only in the same sense that the French Revolution ‘modified’ the status of the French nobility — it has abolished them and supplanted them with a new regime entirely
Barrett joined the Roberts opinion but also wrote a separate concurring opinion in which she emphasized that the major questions doctrine “reinforces” the court’s conclusion that the HEROES Act does not give the Biden administration the power to adopt the debt-relief plan “but is not necessary” for it to reach that conclusion.
They tried to forgive under the HEROES act. The court rejected forgiveness under that "act". SO, they (Biden admin) tried another law/act. Which is legal and common.