One courageous soul has filed a lawsuit against the Biden administration, claiming that student loan forgiveness will harm him. Let’s pray.

From The Wall Street Journal. The Biden Administration has to know it lacks the authority to unilaterally cancel a half-trillion dollars in student debt, but it may have calculated that no one could demonstrate the injury needed to bring a legal challenge. Well, maybe someone can.

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An Indiana borrower on Tuesday filed a federal lawsuit to block the President’s student loan write-off. He makes a strong case that he is harmed by the loan cancellation and that it’s illegal. Federal courts only hear cases and controversies. As a threshold matter, plaintiffs must show that they have suffered a concrete and particular injury.

Individual taxpayers aren’t directly harmed by the write-off, even if they will ultimately bear the cost. The cancellation is unfair to Americans who repaid their loans or didn’t go to college, but they haven’t suffered a concrete injury. Frank Garrison argues he will be harmed owing to quirks in federal loan repayment plans and Indiana tax law.

Mr. Garrison is enrolled in the federal Public Service Loan Forgiveness program, which limits his monthly payments to a share of his income and discharges the remaining debt after 10 years of payments. The President’s loan forgiveness will immediately cancel $20,000 in debt. But this won’t reduce his monthly payments since they are already capped.

However, it will require him to pay more than $1,000 in state tax on the canceled debt this year. …

Mr. Garrison’s lawsuit says loan forgiveness also violates the Administrative Procedure Act because the Administration didn’t even attempt to show that its relief is necessary to redress harm caused by the pandemic emergency—perhaps because it can’t. The Department also failed to conduct a formal rule-making, including notice and comment. …

How are you praying for Frank Garrison and his lawsuit? Share your thoughts and prayers below.

(Excerpt from The Wall Street Journal. Photo Credit: Getty Images)