Dude... I think you are literally just making this up (or repeating it from someone who made it up.)

I looked into the 2005 bankruptcy bill which they are arguing about in this clip. I couldn't even find anything in it about student loans. I searched the text, and followed the links to read the article Mother Jones wrote about the issue. Nothing about student loans. The Wikipedia page does have a single sentence claiming that it impacted student loan formulas in some way, with a "citation needed." Where in the text does it do that?

I have found some pages (one, two) that claim that the 2005 bankruptcy reform included making private student loan debt non-dischargeable. So maybe there is something to this argument? Like I said, I couldn't find it in the actual text.

As far as I can tell, deciding whether student loans are dischargeable mostly roots back to a 1987 court case and has to do with having to prove certain elements in bankruptcy court. I don't really know. But regardless, this whole bankruptcy bill had a huge impact on a wide variety of stuff, Biden didn't create it or sponsor it. It does look like he went to bat for it, which was probably bad, but the student loan stuff was a tiny part if it even existed in the bill at all. (Which, maybe it did, I reached my limit for wanting to look into this.) And saying that he was "the Senator" who was most responsible for this thing is just weird, even if he supported it. Presumably, a lot of people supported it, including the authors of the legislation.

Also, micro-focusing on just whether student loan debt is dischargeable in bankruptcy, and saying that is the issue that is competitive with the issue of forgiving loans for the vast majority of people who are paying them who are not bankrupt, is super weird.

Also, you know what Biden is responsible for? In 2022, the DOJ released new guidance indicating that they would not oppose in bankruptcy court anyone who wanted it discharged and could prove that it would be a hardship otherwise.

I have reached a firm conclusion that you are twisting facts around to bad-mouth Biden on this issue.