Tag Archives: Student Loan Forgiveness

Supreme Court — October 2022 Term — First Look at the Remaining Cases

It’s the first full week of June.  And that means that the clock is rapidly ticking to the end of this year’s Supreme Court term.  By custom, the Supreme Court tries to issue all of the opinions from the term before the Fourth of July holiday.  (It then spends the last three months of the term handling emergency motions and preparing for the next term.)

As we look ahead, some basics about how the Supreme Court operates.  During the argument portion of the term, the Supreme Court holds seven “monthly” — October through April — argument sessions (not quite as sessions often occur partly in two months but that is the convention used to describe the sessions).  In each session, the court hears arguments on Monday, Tuesday, and Wednesday (with some days skipped for federal and religious holidays).  Then on Friday, they discuss that week’s cases (along with applications for review) and take a tentative vote on each case.  After the vote, the “senior justice in the majority” (either the Chief Justice or the longest serving Associate Justice in the majority if the Chief Justice is the minority) chooses which justice gets to write the first draft of the opinion.  Typically, the justices assigning the opinions try to assure a balanced assignment of cases within the session (i.e., if there were nine cases, each justice would get one opinion to write) and across the term as a whole.   When we reach this point of the term, we have enough opinions from individual argument sessions to try to guess who will have the opinion.

Starting with October, we are down to one outstanding case — the Alabama voting rights case.    The bad news is that there are only two justices without an opinion from October — the Chief Justice and Justice Thomas.  It is slightly more likely that the Chief Justice has the case   He tends to like writing election cases.  While both are very likely to write an opinion that would undermine the Voting Rights Act, Justice Thomas is more likely to want to write an opinion that reverses the decision entirely (with no further proceedings) and the Chief Justice is more likely to send it back to the trial court for further consideration (in light of a standard which allows Alabama to dilute minority votes) so there is a slim chance that the Chief Justice ended up on the wrong side of a 5-4 split.  But my hunch is a 6-3 opinion that ignores the plain language of the Voting Rights Act. Continue Reading...

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Student Loans — A look at the issues in the Supreme Court Cases

This past week, the United States Supreme Court heard challenges to President Biden’s program giving partial student loan forgiveness.  There are two separate cases (one brought primarily by Republican states and one brought by individuals), but the issues in the two case are relatively similar.

The first issue in both cases is standing.  For those unfamilar with standing, it derives from the Constitution’s language giving federal courts authority to decide cases and controversies.  Traditionally, courts have viewed this language as barring the ability of parties from requesting “advisory opinions” about how courts would rule if the parties did X.  As such, the courts require a real dispute.  More importantly, standing is concerned about who brings the dispute.  In simplest terms, a party can’t bring a case merely because they don’t like what the other party is doing.  The party bringing the case must be injured by the opposiing party’s actions in a way that can be fixed by the court.  Under the federal system, the state governments do not have the right to challenge the acts of the federal government merely because a given state disagrees with the federal government’s decisions. They have to show that the federal government’s acts injure that state.

For the state challenge, the lower court found standing based on the impact of loan forgiveness of MOHELA.  To understand the issue, one needs to know what MOHELA is.  Several of the states over the years have gotten heavily involved in the processing and handling of student loans.  I remember that when I was in law school, my student loans were handled by the Pennsylvania equivalent of MOHELA.  While I do not know the structural details of all of these agencies, MOHELA is somewhat equivalent to Fannie Mae.  Like Fannie Mae, MOHELA is a separate entity from the state government.  MOHELA is not a party to the case.  The question for the Supreme Court is whether Missouri has the right to speak for MOHELA.  If there is a decision in favor of the student loan forgiveness program, it is likely to be based on the theory that Missouri is not MOHELA and Missouri has not shown that it will be harmed if MOHELA is harmed.   If Missouri does not have the right to sue on behalf of MOHELA, it is unclear how any of the state governments has standing on any other theory. Continue Reading...

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