FILE - New graduates walk into the High Point Solutions Stadium before the start of the Rutgers University graduation ceremony in Piscataway Township, N.J., on May 13, 2018. President Joe Biden’s student loan cancellation offers a life-changing financial break for millions of Americans. But for future students heading to college under the same conditions that created today’s debt, critics say it offers little help. Chief among the causes of today's rising student debt is the cost of college. (AP Photo/Seth Wenig, File)