In another push to address the U.S. student loan crisis, the Biden administration has effectively erased $7.7 billion worth of debt for about 160,000 borrowers through a mix of current government programs.

Announced by the U.S. Department of Education this month, the move bumps the total cancelation up to a whopping 167 billion, benefiting nearly 5 million Americans.

“From day one of my administration, I promised to fight to ensure higher education is a ticket to the middle class, not a barrier to opportunity,” President Biden said. “I will never stop working to cancel student debt — no matter how many times Republican-elected officials try to stop us.”

This financial relief targets groups of borrowers who meet certain requirements or have reached particular thresholds to be eligible for student loan forgiveness. 93,000 people are catching a break via income-driven repayment initiatives. These are implemented through President Biden’s Saving on a Valuable Education (SAVE) Plan, which works sort of like the express lane at the supermarket—it gets you to the front faster, shaving significant time off the typical slog to loan forgiveness.

In addition, roughly 67,000 public servants who’ve been diligently working in civil service jobs while chipping away at their debt for a decade, will now see the end of their financial burden through the Public Service Loan Forgiveness (PSLF) program.

While this all sounds positive, not everyone is throwing confetti. The SAVE Plan is currently tiptoeing through a minefield of legal challenges from states led by those who perhaps prefer a less charitable approach to student debt. First, Kansas and ten other states sued in March, followed by Missouri and six more in April. They argue that Biden should’ve gone through Congress to overhaul the federal repayment plans instead of making it a solo act.

This isn’t just about new plans, though. The Biden team is also making amends for past government missteps that delayed relief for some borrowers. According to the Education Department, one in 10 federal student loan borrowers has now been approved for some form of loan relief.

“[That] means one out of every 10 borrowers now has financial breathing room and a burden lifted.” U.S. Secretary of Education Miguel Cardona said.

Biden isn’t stopping with the current programs. He’s also pushing for a new, one-time cancellation that could help over 30 million borrowers across five categories, as reported by the Associated Press. This broad plan targets those with hefty unpaid interest, older loans, degrees from low-value programs, and borrowers facing other hurdles that make repayment tough. It also aims to assist those eligible through existing programs but who haven’t applied.

This proposal is making its way through a lengthy rule-making process, but the administration plans to fast-track certain aspects, like waiving unpaid interest for millions of borrowers starting this fall. Naturally, conservative opponents are gearing up to challenge this agenda too, labeling it an unfair perk for wealthy graduates at the expense of taxpayers who didn’t attend college or have already paid off their loans.

Stay tuned as the saga of student loan forgiveness continues, with more twists and turns than a primetime drama.