I think it’s disingenuous to make it sound that simple.
If Congress supported forgiveness, we wouldn’t be having this discussion. Whether they had implicitly given that power to the executive with previous legislation is controversial, thus the SCOTUS case. But it’s not like SCOTUS was the first to question it. Pelosi and even Biden had previously stated it was not an executive power.
Again, it could be easily settled now by the legislature if they supported it, but they do not.
I guess you must know more about law than Biden did 2 years ago when he publically talked about probably not having the authority: https://www.politico.com/news/2021/02/17/student-loan-forgiveness-biden-469677
It’s nowhere near that straightforward. And for a third time, if it was the intent of Congress, now would be the time for them to clarify that with direct legislation. But they are not.