https://www.nbcnews.com/news/amp/rcna132552
“If student loan companies are cutting corners or sidestepping the law, this can pose serious risks to individuals and the economy,” the CFPB said.
Agreeing that a debt exists and agreeing to pay back a debt are two different things. The budget doesn't argue whether the debt exists, just how and when it will be payed back. It is the difference between "Yes, I owe you $100, you'll get it back someday.", and "Yes, I owe you $100, and I've budgeted to pay you $20 a week for the next 5 week until we're square."
The consitution guarantees the first part, but doesn't help much with the second. However, without the second part everything grinds to a halt.
It's more like
Yes, I owe you $100, and I've budgeted to pay you $20 a week for the next 5 week until we're square, but I don't like what you might do with that money so I'm closing up shop and going home, good luck with everything
They can't do that but Biden let them
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