It has nothing to do with loan forgiveness, and everything to do with the language of the law. The law that created the PPP program explicitly allowed for the l

It has nothing to do with loan forgiveness, and everything to do with the language of the law. The law that created the PPP program explicitly allowed for the loans to be cancelled. The laws that created the various student loan programs allow them to be "modified", but do not explicitly mention cancellation. The Supreme Court ruled that cancelling a loan is not the same as modifying it. Changing the interest rate or payment terms would be a modification, for example. Since Congress did not delegate permission to cancel the loans to the Executive branch, it remains Congress's job to cancel them if they want to.