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President Biden’s student loan relief plan faces a do-or-die moment on Tuesday as it reaches the Supreme Court for oral arguments. 

The up to $20,000 in debt relief that could go to millions of Americans faces two challenges: one from six Republican-led states, Biden v. Nebraska, and another from two student loan borrowers, Department of Education v. Brown. 

Biden’s plan to save one of his biggest campaign promises hinges on two arguments. 

The administration says that Education Secretary Miguel Cardona had the authority to forgive the debt under the Higher Education Relief Opportunities for Students (HEROES) Act.

But legal observers suggest the closer question could be whether the justices reach the merits at all. The Biden administration contends that neither group of challengers has standing, meaning the legal capacity to sue.

With the lower courts placing the plan on hold, the Biden administration now must face a conservative-majority Supreme Court in its efforts to give borrowers relief. 

Here is what you need to know about the legal issues in the two student debt relief cases: What is the HEROES Act?

The Higher Education Relief Opportunities for Students, or HEROES, Act has only recently come back into focus, but it was passed two decades ago with bipartisan support as the country headed to war following the 9/11 terror attacks.

The law gives the education secretary authority to “waive or modify” federal student financial assistance programs “as the Secretary deems necessary in connection with a war or other military operation or national emergency.”

The Trump administration began using HEROES Act authority to pause student loan payments after declaring the coronavirus pandemic a national emergency in 2020.

After Biden took office, his administration extended the emergency and the payment pause before announcing the debt relief plan last year. 

The administration has said the HEROES Act’s plain text authorizes Cardona to forgive the debts, and that his decision to do so was reasonable. He has put forward data showing that many borrowers are at risk of defaulting on their loans if the payment pause ends without the debt relief.

“The federal government provides relief to people affected by crises all the time, and that relief flows not just immediately after the crisis, but in the months and years afterwards,” said Jonathan Miller, chief program officer at the Public Rights Project, which filed a brief supporting the administration on behalf of local governments.

“So I think this is a perfectly reasonable and appropriate step for the Secretary to take, given all the information that was before him in the department at the time,” Miller added.

After the Supreme Court took up the challenges, Biden announced the COVID-19 emergency will end in May, but the administration says that doesn’t affect its debt relief plan.

Meanwhile, the administration has argued that ending the emergency moots a separate Supreme Court case involving Title 42, which limits migrants’ ability to seek asylum on public health grounds.

But the White House believes student debt relief is different because it concerns economic consequences that will persist beyond the emergency, rather than stopping the spread of disease, according to people familiar with the administration’s legal strategy.

“Our debt relief plan is needed to prevent defaults and delinquencies as student borrowers transition back to repayment after the end of the payment pause,” an administration official said. “The national emergency formally ending does not change that fact. It also does not change the legal justification for the plan.” How have the courts ruled so far?

Federal appeals courts have blocked the plan in both cases pending further action by the Supreme Court.

In the challenge from the conservative states — Arkansas, Iowa, Kansas, Missouri, Nebraska and South Carolina — a three-judge panel on the 8th Circuit Court of Appeals, all appointed by Republican presidents, issued a temporary injunction in the fall. 

A federal trial judge in Texas ruled in favor of the individual challengers and separately blocked the debt relief plan in November. The 5th U.S. Circuit Court of Appeals later upheld that ruling.

The Biden administration appealed both cases to the Supreme Court, and the justices agreed in December to take up both cases. What do the plan’s opponents say?

Both groups of challengers contend Cardona overstepped his authority under the HEROES Act.

The individual borrowers argue he was required to provide a comment period on the proposal before implementing it.

Both groups argue the debt relief plan invokes the “major questions” doctrine, which requires Congress to speak clearly when authorizing an agency to decide matters of vast economic and political significance.

Echoing a lower court ruling, the plan’s critics assert that taking the administration’s position means the executive branch could cite the pandemic’s lingering effects even 10 years down the road to forgive the debts without consulting Congress.

“This case is not so much about the wisdom of that decision. It’s about in a democratic, self-governing society, how are we going to make these kinds of decisions?” said Casey Mattox, vice president for legal and judicial strategy at Americans for Prosperity, which filed an amicus brief supporting the challengers.

The court has cemented the major questions doctrine in three recent cases: stopping the Centers for Disease and Control and Prevention’s (CDC) eviction freeze during the pandemic, blocking the Biden administration’s vaccine-or-test mandate for large employers and striking down a power plant rule last June.

Thomas Berry, editor-in-chief of “Cato Supreme Court Review” at the Cato Institute, which filed an amicus brief siding with the challengers, said the precedents give a clear indication that a majority of the justices will be skeptical of the debt relief plan.

“If they reach the merits, I would be fairly confident that the action will be struck down,” Berry said. “I think the closer question is whether they reach the merits at all.” Biden admin argues challengers lack standing to sue

The Biden administration believes none of the plaintiffs have standing to challenge the debt relief.

Three states cited economic impacts from how some borrowers are now consolidating their loans, and four said their tax revenues will take a hit. 

Missouri shows perhaps the most compelling theory by arguing the plan will harm its student loan service, legal observers say, but the administration is likely to push back that any harm is still speculative.

“I just don’t think it really comports here, because it’s very clear that loan forgiveness ultimately is a net benefit for the states,” said Miller.

His group’s brief argues that forgiveness would make it easier for borrowers to start a business or own a home, spurring economic growth. Republicans request documents from Biden’s Supreme Court commission Appeals court rules North Carolina can’t ban undercover cameras from PETA

The two individual borrowers, who did not qualify for the relief, contend that they can bring their suit because Cardona’s failure to provide a comment period unfairly deprived them of a concrete interest.

The Biden administration asserts stopping the debt relief would not redress their injury, a component needed for standing.

“That judgment leaves Brown’s financial position unchanged; she would still receive no loan forgiveness,” the administration wrote in its brief. “And it would leave Taylor worse off than before; he would receive neither the $10,000 the plan provides nor the $20,000 he purports to seek, but instead nothing at all.”

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Environment

Prime Day-2 Green Deals: Anker SOLIX F3800 Plus, GE 2-in-1 washer/dryer, Lectric e-bikes, EcoFlow, Jackery, Aiper, Greenworks, more

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1 min ago

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July 9, 2025

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Prime Day-2 Green Deals: Anker SOLIX F3800 Plus, GE 2-in-1 washer/dryer, Lectric e-bikes, EcoFlow, Jackery, Aiper, Greenworks, more

It’s the second day of the Prime Day seasonal savings and we’ve got another jam-packed edition of Green Deals focusing on some of the best discounts we’ve spotted so far, with all the others rounded up in our Prime Day Green Deals hub here, which is regularly being updated throughout the days, so be sure to check back often. Leading our top three picks today is Anker’s SOLIX F3800 Plus Portable Power Station and its bundle packages, which are seeing up to $7,994 in savings to new low prices starting from $2,564. Next, we have GE’s Smart Combo Electric Washer & Dryer with Ventless Heat Pump at its $1,750 low, as well as Lectric’s full Better Than Prime Day sale that is taking up to $654 off e-bike bundles starting from $799. All that and much more are waiting for you below.

Head below for other New Green Deals we’ve found today and, of course, Electrek’s best EV buying and leasing deals. Also, check out the new Electrek Tesla Shop for the best deals on Tesla accessories.

You can save up to $7,994 on Anker’s SOLIX F3800 Plus station + bundles at new low prices for Prime Day starting from $2,564

As part of its ongoing Prime Day Sale running through July 13, Anker SOLIX is dropping the prices lower than ever on its new F3800 Plus Portable Power Station starting at $2,564.05 shipped, after using the promo code PDSG5OFF at checkout for an extra 5% in savings – plus, you’ll be getting a free protective cover to boot! We saw this model drop from its $4,799 MSRP to hit a short-lived former $2,649 low in the brand’s early Prime Day sale, which is getting beaten out here by $85. It’s also beating out its current Amazon pricing of $2,699 (usually keeping between $2,999 and $3,899), with the combined 47% markdown here giving you a massive $2,235 in savings at the best new price that we have tracked. And don’t forget about all its bundle options we’ve collected below that are also down at new lows through the weekend.

Anker’s SOLIX F3800 Plus, as well as its standard F3800 predecessor, are the brand’s largest expanding backup units that start at a sizeable 3,840Wh LiFePO4 capacity, with further investments bolstering that capacity up to a 26,900Wh maximum (when six batteries are attached). It has 15 output port options to connect devices, appliances, and vehicles – with the latter being covered by the L14-30R and TT-30R ports for EVs and RVs. You’ll get up to a steady 6,000W power output normally, while it can surge as high as 9,000W when needed. That output even expands when two stations are paired together, raising the rate to 12,000W for home backup coverage.

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In terms of recharging, the F3800 Plus brings an additional method to the table with its 6,000W input it can receive from a gas generator, while its solar input max has increased to 3,200W (from 2,400W). Of course, there’s also the usual AC outlet charging and more to keep it juiced up and running.

***Note: these prices below haven’t had the extra savings factored in yet, so don’t forget to use the promo code PDSG5OFF at checkout to score the very best deals!

Anker SOLIX’s Prime Day F3800 Plus standard deals/bundles:

Anker’s SOLIX Prime Day F3800 Plus home backup bundles:

To also checkout the pricing on its standard F3800 counterpart and bundles, be sure to check out our full coverage here.

GE 2-in-1 smart combo electric washing machine and dryer

Save space or double up with GE’s 2-in-1 smart combo electric washer/ventless heat pump dryer at its $1,750 low

As part of its Black Friday in July Sale, which is running parallel to Amazon’s Prime Day Sale event, Best Buy is offering a returning low price on the GE Profile 4.8 Cubic-Foot Smart Combo Electric Washer & Dryer with Ventless Heat Pump down at $1,749.99 shipped, which is beating out the brand’s direct pricing by $249. While it usually goes for $2,900 at full price, at Best Buy it’s been more recently fetching $2,700, with discounts having kept the costs between $2,000 and $2,200 in 2025. The last time we saw prices fall this low was during Best Buy’s Black Friday sale, with this being the first time it showed up in the new year with $950 in savings at the best price we have tracked.

If you want to learn more about this unit, be sure to check out our original coverage of the deal here.

Lectric XPress 750 e-bike

Lectric’s Better Than Prime Sale offers up to $654 in free gear with e-bikes starting from $799

Lectric’s Better Than Prime Sale is in full swing with up to $654 discounts across its e-bike lineup, which includes the preorder deal on the new XP Trike2 and increased bundles on the new XP4 e-bikes. Sadly, if you were hoping to score the XPedition 2.0 Dual-Battery Long-Range Cargo e-bikes, they are out of stock following the July 4th sale, but the brand has since restocked another popular model, the XPress 750 Commuter e-bikes that come with $336 in free gear at $1,299 shipped. The bundles are the same as the last few sales we’ve seen, which would normally run you $1,635 in full were it not for the usual savings – not to mention the $200 off option for a spare battery to double its range (found on its landing page). All-in-all, you’ll be getting a steel-encased rear cargo rack, fenders to go over both tires, an Elite headlight upgrade, and a suspension seat post. Head below for more on this and the other models seeing savings during this limited-time event.

If you want to learn more about this model or get the full rundown of e-bike deals we’re seeing during this sale, be sure to check out our original coverage here.

EcoFlow Prime Day power station sale

Power outdoor adventures with EcoFlow’s stations and bundles at up to 62% off in Prime Day savings starting from $199

EcoFlow’s Prime Day Sale is in full swing and lasting through July 11 with up to 62% off its power stations and solar generator bundles – plus, there’s extra savings to score using the promo code EFPDAFF5 at checkout for an additional 5% off your order. Among the many units we’re seeing at some of their lowest rates, a notable standout to cover your trips into the wilds, jobsites, and emergency needs is the DELTA 2 Max Solar Generator bundle that comes with a 500W solar panel (4 x 125W) for $1,281.55 shipped, after using the promo code. This newer package would usually run you $2,699 at full price, with it only available directly from the site. At Amazon, the closest matching bundle you can find gives you the station with a 400W panel for $1,279, meaning you’re getting the brand’s largest portable panel for just $3 more. The combined 53% markdown here gives you $1,417 in savings at the best price we have tracked. Head below for more of the best deals we’re spotting during this sale.

If you want to learn more about this power station or get the full lineup of power station, solar generator bundles, and add-on accessory savings, be sure to check out our full coverage of the sale here.

Aiper Surfer S2 robotic solar pool skimmer

Let Aiper’s Surfer S2 robot worry about skimming your pool while being powered by the sun at new $280 low

As part of its ongoing Prime Day event, the official Aiper Amazon storefront is offering its popular Surfer S2 Robotic Solar Pool Skimmer at $279.99 shipped. It carries a $400 MSRP, but at Amazon, we’ve been seeing it keep down at $340 lately, with discounts usually taking things to $320, and one previous discount to $300 from last month. Today’s deal brings you a new all-time low, giving you $120 off its price tag for the best deal we have tracked.

If you want to learn more about this popular model, be sure to check out our full coverage of the deal here.

Jackery Prime Day power station sale

Jackery’s full Prime Day Sale with up to 65% discounts, bonus savings, free gifts, and more sees return and new lows from $89

Jackery has switched over to its full Prime Day Sale through July 11 with up to 65% discounts on power stations, solar generators, and more – plus, there are extra savings, limited stock free gifts, and membership benefits too. Among the offers this time around, we’re seeing returning and new low prices on Jackery’s new HomePower 3000 Portable Power Station and its bundle options, starting from the station on its own at $1,614.05 shipped, after using the promo code PRIME5 at checkout for an additional 5% off, which beats out the Amazon pricing by $85. This new model (also known as the Explorer 3000 v2) hit the market back in May carrying a full $2,499 price tag, and which discounts brought down to $1,699 for the first time during the early Prime Day Sale. That low price is returning here, with the extra 5% savings making things all the better for a second chance at the best pricing we have tracked, saving you $885 in the process.

If you want to learn more about this all-new power station, or browse the full lineup of deals we’re seeing during this sale, be sure to check out our full coverage here.

greenworks pro 2,700 psi electric pressure washer

Greenworks’ Pro-tier 2,700 PSI electric pressure washer falls to new $285 low for Prime Day, more

As part of its ongoing Prime Day deals event, Amazon is offering the Greenworks Pro 2,700 PSI Electric Pressure Washer at $284.99 shipped, which is beating out the brand’s direct pricing by $15. It normally fetches $400 at full price, with discounts having kept above $320 before this week. It fell to $300 at the beginning of Prime Day, but has since dropped lower to this new all-time low price. You’ll be saving $115 off the going rate while the savings last, upgrading your outdoor cleaning game at the best price to date.

If you want to learn more about this model’s capabilities, as well as browse the lineup of electric pressure washer deals we’re seeing, be sure to check out our original coverage here.

Best Summer EV deals!

Best new Green Deals landing this week

The savings this week are also continuing to a collection of other markdowns. To the same tune as the offers above, these all help you take a more energy-conscious approach to your routine. Winter means you can lock in even better off-season price cuts on electric tools for the lawn while saving on EVs and tons of other gear.

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Technology

Bitcoin rises to fresh record above $112,000, helped by Nvidia-led tech rally

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17 mins ago

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July 9, 2025

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Bitcoin rises to fresh record above 2,000, helped by Nvidia-led tech rally

The logo of the cryptocurrency Bitcoin can be seen on a coin in front of a Bitcoin chart.

Silas Stein | Picture Alliance | Getty Images

Bitcoin hit a fresh record on Wednesday afternoon as an Nvidia-led rally in equities helped push the price of the cryptocurrency higher into the stock market close.

The price of bitcoin was last up 1.9%, trading at $110,947.49, according to Coin Metrics. Just before 4:00 p.m. ET, it hit a high of $112,052.24, surpassing its May 22 record of $111,999.

The flagship cryptocurrency has been trading in a tight range for several weeks despite billions of dollars flowing into bitcoin exchange traded funds. Bitcoin purchases by public companies outpaced ETF inflows in the second quarter. Still, bitcoin is up just 2% in the past month.

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Bitcoin climbs above $112,000

On Wednesday, tech stocks rallied as Nvidia became the first company to briefly touch $4 trillion in market capitalization. In the same session, investors appeared to shrug off the latest tariff developments from President Donald Trump. The tech-heavy Nasdaq Composite notched a record close.

While institutions broadly have embraced bitcoin’s “digital gold” narrative, it is still a risk asset that rises and falls alongside stocks depending on what’s driving investor sentiment. When the market is in risk-on mode and investors buy growth-oriented assets like tech stocks, bitcoin and crypto tend to rally with them.

Investors have been expecting bitcoin to reach new records in the second half of the year as corporate treasuries accelerate their bitcoin buying sprees and Congress gets closer to passing crypto legislation.

Don’t miss these cryptocurrency insights from CNBC Pro:

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Politics

Bitcoin soars to new all-time high above $112K as traders liquidate shorts

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53 mins ago

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July 9, 2025

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Bitcoin soars to new all-time high above 2K as traders liquidate shorts

Bitcoin soars to new all-time high above 2K as traders liquidate shorts

Bitcoin price roared to a new all-time high above $112,000. Cointelegraph explains why.

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