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Over the past three years, millions of Americans have struggled to pay rent, utilities, food, and many have been unable to pay their debts, loan forgiveness is a paradigmatic form of debt relief, and the secretary acted within the heartland of his authority and in line with the central purpose of the HEROES Act( of 2003) in providing that relief here. To apply the major questions doctrine to override that clear text would deny borrowers critical relief that Congress authorized, and the secretary deemed essential.