After the US Supreme Court struck down his administration’s plan to cancel federal student loan debts for millions of Americans, President Joe Biden has unveiled a “new path” for relief, one that he assured is “legally sound” but will “take longer”. In remarks from the White House on 30 June, the president hit out at Republican state officials and legislators who supported the lawsuit which enabled the nation’s highest court to strike down his student debt forgiveness initiative, accusing many of them of hypocrisy for taking money from pandemic-era relief programs while opposing relatively meager relief for student loan borrowers. “Some of the same elected Republicans, members of Congress who strongly opposed relief for students, got hundreds of thousands of dollars themselves ... several members of Congress got over a million dollars — all those loans are forgiven,” he said. “The hypocrisy is stunning,” he said. Accompanied by Secretary of Education Miguel Cardona, Mr Biden opened his remarks by acknowledging that there are likely “millions of Americans” who now “feel disappointed and discouraged or even a little bit angry about the court’s decision today on student debt”. “And I must admit, I do too,” he said. Still, Mr Biden reminded Americans that his administration has previously taken actions to reform student loan repayment programs to make them easier to access, and to keep borrowers from spending more than five per cent of disposable income on monthly repayments, and to strengthen loan forgiveness options for borrowers who take public service jobs. The president has directed Mr Cardona to “find a new way” to grant similar loan relief “as fast as we can” in a way that is “consistent” with the high court’s decision. On Friday, the Education Department issued the first step in the process of issuing new regulations under this so-called “negotiated rulemaking” process. In the mean time, Mr Biden said his administration is creating a temporary year-long “on-ramp repayment programme” under which conditions will remain largely the same as they have during the three-year pandemic-era pause in payments which is set to expire this fall. The department’s 12-month “on ramp” to begin repayments, from 1 October through 30 September, aims to prevent borrowers who miss repayments in that time period from delinquency, credit issues, default and referral to debt collection agencies. “During this period if you can pay your monthly bills you should, but if you cannot, if you miss payments, this on-ramp temporarily removes the threat of default,” he said. “Today’s decision closed one path. Now we’re going to pursue another — I’m never gonna stop fighting,” the president continued, adding that he will use “every tool” at his disposal to get Americans the student debt relief they need so they can “reach [their] dreams”. “It’s good for the economy. It’s good for the country. It’s gonna be good for you,” he said. Asked by reporters whether he’d given borrowers false hope by initiating the now-doomed forgiveness plan last year, Mr Biden angrily chided the GOP for having acted to take away the path to debt relief for millions. “I didn’t give any false hope. The question was whether or not I would do even more than was requested. What I did I felt was appropriate and was able to be done and would get done. I didn’t give borrowers false hope. But the Republicans snatched away the hope that they were given and it’s real, real hope,” he said. The Supreme Court’s 6-3 ruling from the conservative majority argues that the president does not have the authority to implement sweeping relief, and that Congress never authorised the administration to do so. Under the plan unveiled by the Biden administration last year, millions of people who took out federally backed student loans would be eligible for up to $20,000 in relief. Borrowers earning up to $125,000, or $250,000 for married couples, would be eligible for up to $10,000 of their federal student loans to be wiped out. Those borrowers would be eligible to receive up to $20,000 in relief if they received Pell grants. Roughly 43 million federal student loan borrowers would be eligible for that relief, including 20 million people who stand to have their debts cancelled completely, according to the White House. Lawyers for the Biden administration contended that he has the authority to broadly cancel student loan debt under the Higher Education Relief Opportunities for Students Act of 2003, which allows the secretary of education to waive or modify loan provisions following a national emergency – in this case, Covid-19. Since March 2020, with congressional passage of the Cares Act, monthly payments on student loan debt have been frozen with interest rates set at zero per cent. That pandemic-era moratorium, first enacted under Donald Trump and extended several times, was paused a final time late last year. Over the last decade, the student loan debt crisis has exploded to a balance of nearly $2 trillion, most of which is wrapped up in federal loans. The amount of debt taken out to support student loans for higher education costs has surged alongside growing tuition costs, increased private university enrollment, stagnant wages and GOP-led governments stripping investments in higher education and aid, putting the burden of college costs largely on students and their families. Read More Supreme Court strikes down Biden’s plan to cancel student loan debts Supreme Court strikes down affirmative action, banning colleges from factoring race in admissions Biden condemns Supreme Court striking down affirmative action: ‘This is not a normal court’ Justice Ketanji Brown Jackson delivers searing civil rights lesson in dissent to affirmative action ruling

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President Joe Biden is addressing concerns about artificial intelligence as the administration attempts to guide the development of the rapidly evolving technology. The White House said on Monday (30 October) that a sweeping executive order will address concerns about safety and security, privacy, equity and civil rights, the rights of consumers, patients, and students, and supporting workers. The order will also hand a list of tasks to federal agencies to oversee the development of the technology. ‘We have to move as fast, if not faster than the technology itself’ “We can’t move at a normal government pace,” White House Chief of Staff Jeff Zients quoted Mr Biden as telling his staff, according to the AP. “We have to move as fast, if not faster than the technology itself.” Mr Biden believes that the US government was late to the game to take into account the risks of social media, leading to the related mental health issues now seen among US youth. While AI may help drastically develop cancer research, foresee the impacts of the climate crisis, and improve the economy and public services, it may also spread fake images, audio and videos, with possibly widespread political consequences. Other harmful effects include the worsening of racial and social inequality and the possibility that it can be used to commit crimes, such as fraud. The president of the Center for Democracy & Technology, Alexandra Reeve Givens, told the AP that the Biden administration is using the tools at their disposal to issue “guidance and standards to shape private sector behaviour and leading by example in the federal government’s own use of AI”. Mr Biden’s executive order comes after technology companies have already made voluntary commitments, and the aim is that congressional legislation and international action will follow. The White House got commitments earlier this year from Google, Meta, Microsoft, and OpenAI to put in place safety standards when building new AI tools and models. Monday’s executive order employs the Defense Production Act to require AI developers to share safety test results and other data with the government. The National Institute of Standards and Technology is also set to establish standards governing the development and use of AI. Similarly, the Department of Commerce will publish guidance outlining the labelling and watermarking of content created using AI. An administration official told the press on Sunday that the order is intended to be implemented within between 90 days and a year. Safety and security issues have the tightest deadlines. Mr Biden met with staff last Thursday for a half-hour meeting that grew into an hour and 10 minutes to put the finishing touches on the order. Biden ‘impressed and alarmed’ by AI The president was engaged in meetings about the technology in the months that preceded Monday’s order signing, meeting twice with the Science Advisory Council to discuss AI and bringing up the technology during two cabinet meetings. At several gatherings, Mr Biden also pushed tech industry leaders and advocates regarding what the technology is capable of. Deputy White House Chief of Staff Bruce Reed told the AP that Mr Biden “was as impressed and alarmed as anyone”. “He saw fake AI images of himself, of his dog,” he added. “He saw how it can make bad poetry. And he’s seen and heard the incredible and terrifying technology of voice cloning, which can take three seconds of your voice and turn it into an entire fake conversation.” The AI-created images and audio prompted Mr Biden to push for the labelling of AI-created content. He was also concerned about older people getting a phone call from an AI tool using a fake voice sounding like a family member or other loved one for the purpose of committing a scam. Meetings on AI often went long, with the president once telling advocates: “This is important. Take as long as you need.” Mr Biden also spoke to scientists about the possible positive impacts of the technology, such as explaining the beginning of the universe, and the modelling of extreme weather events such as floods, where old data has become inaccurate because of the changes caused by the climate crisis. ‘When the hell did I say that?’ On Monday at the White House, Mr Biden addressed the concerns about “deepfakes” during a speech in connection with the signing of the order. “With AI, fraudsters can take a three-second recording of your voice, I have watched one of me on a couple of occasions. I said, ‘When the hell did I say that?’” Mr Biden said to laughter from the audience. Mr Reed added that he watched Mission: Impossible — Dead Reckoning Part One with Mr Biden one weekend at Camp David. At the beginning of the film, the antagonist, an AI called “the Entity”, sinks a submarine, killing its crew. “If he hadn’t already been concerned about what could go wrong with AI before that movie, he saw plenty more to worry about,” Mr Reed told the news agency. The White House has faced pressure from a number of allied groups to address possible harmful effects of AI. The director of the racial justice programme at The American Civil Liberties Union, ReNika Moore, told the AP that the union met with the administration to make sure “we’re holding the tech industry and tech billionaires accountable” so that the new tools will “work for all of us and not just a few”. Ex-Biden official Suresh Venkatasubramanian told the news agency that law enforcement’s use of AI, such as at border checkpoints, is one of the top challenges. “These are all places where we know that the use of automation is very problematic, with facial recognition, drone technology,” the computer scientist said. Read More Biden reacts to watching deepfakes of himself: ‘When the hell did I say that?’ Rishi Sunak to hold live chat with Elon Musk during AI summit Liz Truss ‘deeply disturbed’ by Sunak’s invitation to China to attend AI summit Extinction risk from AI on same scale as nuclear war, Sunak warns Revealed: Government using AI to decide on benefits and driving licences Brexit means UK can be global leader on AI, says Facebook co-founder

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