The article highlights the contrasting approaches of former Presidents Donald Trump and Joe Biden towards critical issues like immigration and student loans. It criticizes Biden for the chaos at the southern border due to increased illegal crossings, which became a significant election topic. Conversely, Trump is praised for addressing the border situation efficiently.

The focus then shifts to student loans, where Biden’s promises of debt cancellation or reduced payment plans for federal borrowers raised expectations. However, court rulings deemed these actions unconstitutional, leading to confusion and delays. The Trump administration took a more pragmatic stance, initiating loan collections for defaulted borrowers, emphasizing the need for responsible repayment.

The narrative underscores the challenges faced by borrowers under Biden’s rhetoric, with many struggling to manage their loans effectively. A substantial percentage of borrowers are delinquent, prompting potential wage garnishment. In response, congressional Republicans are proposing legislation to limit loan amounts and repayment options, asserting that such decisions should not rest solely with the executive branch.

Ultimately, the article criticizes Biden and Vice President Kamala Harris for making unfulfillable promises to gain voter support, resulting in lasting repercussions for Americans. It concludes by highlighting the ongoing chaos caused by these policies, urging for a more structured and accountable approach to student loan management.