The central argument in George F. Will’s Feb. 19 op-ed, “A repudiation of Biden’s student loan lawlessness,” was that Congress has not authorized student loan forgiveness. But the statute at issue clearly authorizes the education secretary to “waive” or “modify” student loan obligations “as deemed necessary.” It further instructs the secretary to “ensure that affected individuals” are not “placed in a worse position financially” on account of any “national emergency,” which Congress defined to include anyone who lives in an area declared to be a “disaster area” by an appropriate official. Even while playing down the harms caused by the pandemic, President Donald Trump correctly declared the pandemic to be a national emergency affecting all Americans.