Secretary of Education Miguel Cardona speaks during a visit with first lady Jill Biden to Bergen Community College in Paramus, N.J., Jan. 20, 2022. The Biden administration plans to freeze federal student loan payments through Aug. 31, extending a moratorium that has allowed millions of Americans to postpone payments during the coronavirus pandemic. The decision was confirmed by an administration official familiar with the White House’s decision-making. (AP Photo/Seth Wenig, File)