The Biden Administration has to know it lacks the authority to unilaterally cancel a half-trillion dollars in student debt, but it may have calculated that no one could demonstrate the injury needed to bring a legal challenge. Well, maybe someone can.

An Indiana borrower on Tuesday filed a federal lawsuit to block the President’s student loan write-off. He makes a strong case that he is harmed by the loan cancellation and that it’s illegal. Federal courts only hear cases and controversies. As a threshold matter, plaintiffs must show that they have suffered a concrete and particular injury.