I can read what you've said, but once again you are blabbering. The court handles matters of law and precedence, and in this case they interpreted the provisions of the Heroes Act.
As Kagan wrote, "The Court refuses to acknowledge the plain words of the HEROES Act. It declines to respect Congress’s decision to give broad emergency powers to the secretary of education".
The law says that the secretary of Education may “waive or modify any statutory or regulatory provision” related to federal student loans “as may be necessary to ensure that” borrowers “are not placed in a worse position financially” because of a national emergency.
You can run off now.
It's quite simple if you do reading comprehension. Here's the relevant text from the Act itself:
"Higher Education Relief Opportunities for Students Act of 2003 - Authorizes the Secretary of Education to waive or modify any requirement or regulation applicable to the student financial assistance programs under title IV of the Higher Education Act of 1965 as deemed necessary with respect to an affected individual who: (1) is serving on active duty during a war or other military operation or national emergency; (2) is performing qualifying National Guard duty during a war, operation, or emergency; (3) resides or is employed in an area that is declared a disaster area by any Federal, State, or local official in connection with a national emergency; or (4) suffered direct economic hardship as a direct result of a war or other military operation or national emergency."
Team Biden tried to take the last words from items #3 and #4, claiming COVID was a "national emergency" and hence the Act empowered the Secretary of Education to broadly waive vast swathes of student loan debt. The problem is, that's not what the Act was meant to do. It was meant to assist military veterans as stated in sections #1 and #2. Pelosi knew this and that's why she said Biden couldn't waive the debt. Team Biden knew this also but did it anyway, banking on the SCOTUS reversal happening after the latest election cycle (which is exactly what happened). It didn't help their case that they tried to do this after publicly stating the "COVID emergency" was over and lifting COVID restrictions. Kinda hard to argue a national emergency in the past needs such sweeping re-interpretation of a law now, but that misses the point. Team Biden knew this wouldn't pass muster and didn't care. It was -- and is -- a political stunt.
If Biden and Pelosi really want to relieve student debt, why didn't they do it when they controlled Congress and the White House? They could've passed a law and it would've withstood SCOTUS scrutiny if they'd done it the proper way. It doesn't take a genius to realize why they didn't do it when they could: because it's not broadly popular with the people who will actually pay the bill for student loan relief. Biden's ploy was to give Congress shelter from the consequences of passing such a law, knowing the SCOTUS would deem it illegal, but after reaping the political benefits of trying to do it.