Joe Biden says he isn’t sure if he has the authority to cancel student debt. Eileen Connor, a debt expert at Harvard Law School, says otherwise.

The burden of student debt impacts the well-being of loan holders and the entire economy. Student debt cancellation is as simple as not asking for borrowed money back. The Project on Predatory Student Lending, directed by Connor, supports over a million student borrowers cheated by for-profit colleges.

She says the law couldn’t be any clearer. He does. He could do it today—and bring immediate relief to over 43 million Americans.