When voters think of student loan forgiveness, they often picture executive actions and legal battles. Under President Biden, student loan debt relief efforts dominated headlines, particularly after the Supreme Court struck down his broad cancellation proposal.

But what you may not realize: The Trump administration could be on track to oversee one of the largest dollar amounts of student loan forgiveness in U.S. history, largely because of repayment programs already written into law.

This projection is not about a new sweeping forgiveness plan. Instead, it reflects the mechanics of existing federal student loan programs (some dating back decades) that are now reaching maturity.

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