into full effect next summer, they could see their payments cut in half. and ultimately could have them all forgiven if they make their payments on time for ten years. this is the latest effort from the biden administration to try tell offer relief for student loans after the supreme court had struck down president biden's forgiveness plan. there have been programs in the past going back decades and officials that i spoke to do believe they have a legal standing on this because congress has given them authority to build these income-based repayment plans. ultimately, they do not think there will be a successful legal challenge because they haven't seen this with the plan in the past. arlette saenz, cnn, traveling with the president with rehoboth beach, delaware. >> let's bring in a politica analyst for the morning consultant. eli, great to see you, obviously with the supreme court striking down the biden administration's plan for student loan