NEW YORK (AP) — President Joe Biden’s plan to provide up to $20,000 in federal student loan forgiveness has been blocked by two federal courts. That’s left millions of borrowers wondering what happens next. The Justice Department on Friday asked the Supreme Court to reverse one of the lower court decisions. Experts say student loan forgiveness has the potential to end up before the Supreme Court, meaning this could be a lengthy process. Biden is now facing pressure to extend a pause on payments that started during the pandemic and was supposed to end January 1.