Do you not remember that the Republican majority SCOTUS declared his attempt to unilaterally forgive student debt to be illegal? That’s why they’re going through different categories of loans type by type and doing it in batches to ensure each one is on solid legal ground that even this SCOTUS would find difficult to overturn. His first batch after the SCOTUS ruling literally cited a legal basis that SCOTUS had affirmed!

Most of what you ask for requires a Democrat majority so big that they can both pass new laws AND expand SCOTUS. You’re blaming them for things they have no power over.