that does it for us, everybody. tune into "chris jansing reports" every weekday from 1:00 to 3:00 p.m. eastern right here on msnbc. you can always watch me weekends, 2:00 to 4:00 p.m. eastern here on msnbc. we have much more breaking coverage of the supreme court coming up including 3:30 remark expected from the president. our coverage continuing with my friend, katy tur, right over there. ♪♪ good to be with you, i'm katy tur, roe v. wade, affirmative action, and now student debt and lgbtq+ protections. the makeup of the supreme court has changed, and with it majority rulings on cultural change. we're going to explain the legal and political motivations behind this slew of 6-3 rulings and look at what the supreme court might do next. we'll also hear directly from

the president again. in 30 minutes, he'll speak from the roosevelt room, explaining the white house's next steps because a lot could change with a ruling that sided with a web designer opposed to same-sex marriage. and a lot will change now that the president cannot constitutionally cancel student debt. joining me now nbc news correspondent julia ainsley who's outside of the supreme court for us, and nbc news white house correspondent mike memoli. noah pransky is here with us as well, and cnbc washington correspondent, emily wilkins. thank you very much for being here, everybody. so 6-3 ruling, two more 6-3 rulings, i should say. student debt. >> you're right, katy, if somebody was going to sum up this supreme court right now, the name of the book might be 6-3 because we're seeing so many

opinions fall along those lines. today we saw two more, the first coming in, a case having to do with a web designer in colorado who says that she does have gay clients but didn't want to be asked to do a wedding web site because she said in that view it would infringe upon her free speech because she thinks that marriage should be between a man and a woman, and the conservative majority opinion, just gorsuch said they needed to be able to protect free speech for all. in the dissenting opinion, justice sotomayor said this is discriminatory against lgbt people and shouldn't have been considered in the first place, the court is going too far. and we saw in the student loans place, chief justice roberts writing the majority opinion again, along 6-3 lines, saying that the biden administration leaned on this act called the heroes act, passed in 2003 by congress meant to alleviate

student loans after 9/11. it was continued and brought up again during covid. it's in effect thousand and will be expiring this fall. what chief justice robert said is all the heroes act allowed the administration to do is modify student loans. they can't rewrite from the ground up. we got a sharp rebuttal from justice kagan who wrote the dissenting opinion, saying the court is going too far, the states here didn't even have standing. we're seeing shots being fired between these justices on their ways out of town. it seems that right now chief justice roberts is accusing the liberal minority of disbarjing -- disparaging the court and what he called misperceptions about the court and accusing them of america's perception that the court is too political. i'll tell you, people we have spoken to today already had that opinion, and it's not just coming from those dissenting opinions. in fact, we spoke to people outside here today who were fighting for the student loan

forgiveness plan, katy, and here's what melissa burn had to say. >> reporter: do you think that some of those 45 million made life plans based upon the fact that they wouldn't have to pay that $25,000 in debt. >> yes, you've seen. there's been data, people have been able to finally buy a home, take a job, do elder care for families, might have mental health concerns where this debt that one good piece of news that has helped them have hope, and feel like they're a part of this country. >> reporter: so you can see this is really a knee jerk for a lot of these people, some whiplash, if you will. they were set to have the covid relief expire in august. that means those first payments are due now in early october, and their interest will start going up again, and it could have been that these people would have $20,000 less to repay. now that is no longer. we'll hear from the president soon to see what if anything he can do about it, katy. >> can i get you to expand a

little bit on the john roberts note about how there has been a change from the way the court is perceived and to tell the public, listen, just because we're disagreeing with each other doesn't mean we don't like each other. you're saying that was directed to the liberal justices on the court. when i first read it, it sounded to me like it was directed to the public. please clarify that. >> reporter: he's talking about their opinions. he's saying that we're giving the perception to people that we're at odds over politics, and he was worried about that perception. you can see that he's calling out dissent like we saw from justice sotomayor today in her dissent over the gay rights decision where she said it was heartbreaking. she is telling the court they're going too far, this is a slippery slope, they're making the wrong decision. they're using very strong planning here, and we even saw that inside. producers who were inside the court today as they were going through these opinions or even

yesterday, we've had a producer who told me that justice jackson stared blankly ahead while justice thomas went over his opinion. there's a lot of strife here between these justices and we know chief justice roberts, it's really a high priority that he wants the american public to see the court as it was, an apolitical body deciding on the laws as the text allows. unfortunately that's unraveling and we can see that in public polling. >> talking about student debt, here's what elena kagan report, every court receives its limited role in our nation's governances. roberts said it's become a disturbing feature of recent opinions to criticize the decisions with which they disagree as going beyond the proper role of the judiciary. thank you very much for straightening that out for me, julia. mike, the president's going to talk in a few minutes, and -- >> maybe. >> maybe.

we'll see what a few minutes means for the white house. yesterday he said that discrimination still exists in america, in response to the affirmative action ruling and talked about ways the department of education is going to light the way for colleges and universities on how to deal with that ruling and maintain diversity on their campuses. student debt, i mean, what does he do about that? i mean, that's a major blow to a promise he made on the campaign trail, and something that a lot of american students and former students were relying on. >> what's clear is the white house had plenty of time to prepare for this moment. the case was litigated before the court months ago. they hoped for a better outcome today but obviously they are prepared for the one we're going to see. when the president comes out maybe in a hatch hour, maybe a little bit longer than that, we'll see two things, one is to lay out the new policy. he say he's going to show he's still fighting for borrowers to provide some relief, this lifeline as he called it, the loan repayment program.

some progressives are calling for him to indefinitely have the moratorium. the second thing he's going to do speaks to the politics of the moment, which is to say it is republicans standing in the way of all of the things he has been trying to do. we heard from the president yesterday on this set speaking to the ways in which he thinks the supreme court itself has gone beyond sort of the role it should be playing in this country, not restricting and denying rights but expanding, moving towards the of everyone being created equal. this is increasingly as the president is candidate for reelection moving into that direction. what's interesting and fascinating to see is the step that he took a year ago in providing the loan relief was under pressure from his party, right, he didn't want to go as far as some others in his party wanted to do. >> and he didn't go as far as they wanted. but will saying simply it's

republicans fault, and this is a supreme court denying us, will his alternative be enough. next year it's all about turnout, and he needs to make sure key constituencies, target them one by one, see more action. not just a call to vote. >> he's supposed to come out at 3:30, when you say maybe, i think you're talking directly to my control room, got to have other stories ready because the president might not come out. >> i have some history with this. >> let me talk to noah pransky, just the polling on this, and how people are affected, something that the president had promised or the party had promised certainly, and something people were relying on. what's the word? >> less than half of america has student debt currently. it's split down the mill. half the country said the biden

administration did not overstep its authority. biden did not go all in the way some democrats asked for, $50,000 or more. biden really settled on this number, $20,000 for individuals making no more than 125 a year. substantially more popular than the idea to forgive all federal student loan debt. this is only three out of ten americans, this close to five out of ten. so the biden administration has been selling this as targeted. not shotgun money for everybody. really aiming at those making less than $75,000 a year. 87% of the money, according to the department of education would be going to those making less than 75. 75 to 100. $25,000, another 13%, nobody getting money who makes more than that in a single year. so then where do we go from here? well, it's important fo point out that democrats and republicans seem to agree. we have a major student debt crisis in america. this number, 25 years ago was weigh down here. it was behind auto and credit

card debt. now, other than mortgage debt, student debt is the biggest thing in america, and if you claim bankruptcy, student debt is the only thing that doesn't get discharged. we have a problem. no clear agreement, but we do have agreement that it is weighing down the economy, slowing down spending, it slows business growth and it even leads millennials, according to research to show down life decisions, marriage and having a child because when you're saddled with debt, the last thing you want to think about is saving for another college education. >> also it's almost impossible to buy a home. that's the goal for american people. and when you're saddled with debt, you can't get a mortgage, it affects your credit score. let's talk about how young people see this. this is between the ages of 18 and 35. this is nbc polling. 56% felt a good deal of support for the president.

they approve of him compared to 30%, and by the way, these numbers are a lot higher than the national numbers when you take everybody into account. 36% in august. it dropped down in 2023, but back in june, this month, 2023, 51% of young people, the people who were taking on college debt right now who are currently dealing with college debt for the most part, felt the president was doing a good job. mike, i'm sure there's some concern within the white house that a decision like this might eat away at those numbers. >> that's really what the reason is we're seeing the president come out so quickly, right, they understood that this decision, if it came out the wrong way from their perspective, would create new uncertainty, and they needed to show action quickly. in addition to hearing from the president, we're going to hear from the education secretary, he's going to be in the briefing room laying out more -- >> he was on our show yesterday talking about this. >> they understand the need to

come out fighting. everything we have seen the last 48 hours and the dobbs decision we marked a year of. these are the tent poles of the democratic big tent, women voters, young voters, lgbtq community and african-american s. the white house does mooech it can -- white house does here. we hope in 2024, the supreme court, the role of the judiciary will be just a big a voting issue for democrats as it was for republicans for generations. >> when you're saddled with debt, you don't have the same amount of freedom as if you were to build up a savings account and pursue buying a home, starting a family. >> what does this decision do broadly speak something. >> i mean, this is going to be a tough couple of months for student borrowers. not only do you have the decision today that basically says, hey, we're not going to cancel any of your student debt, and starting in october, they are now going to have to make

those payments for the first time in two and a half years. they got that hiatus during covid. it all starts up again, and there's some estimates out there. deutsche bank assumes that for all of these borrowers, they're going to have to spend about $305 per month making these student loan payments. that's just the average there. think about that. that means $305 in your budget that can't be spent on clothes, that can't be spent on takeout, that can't be spent on electronics. thatst going to have an impact on the market. jpmorgan estimated between the supreme court today as well as payments restarting, retailers could face $10 billion in head winds. that's going to have an impact. recession is a word that has been thrown a lot this year. certainly with these student loans now not being cancelled and restarting, it's going to have a huge impact on the amount of money that borrowers are able to spend in the economy. >> and 45 million people with less spending power.

45 million americans have student loan debt collectively, by the way, they all owe 1.78 trillion in federal and private student loan debt. that's what's out there. that's how much debt there is. it's a lot of money. everyone, thank you very much. we're going to move on. up next, a web designer can claim free speech to refuse service to a gay couple. what else can be refused on those grounds. we'll explore what today's lgbtq ruling puts at risk. and what else should the country expect from the court. the pending cases that could further change the country. we are back in 60 seconds. the y we are back in 60 seconds. than detergent alone. if you want laundry to smell fresh for weeks, make sure you have downy unstopables in-wash scent boosters. (bobby) my store and my design business? we're exploding. but my old internet, was not letting me run the show. so, we switched to verizon business internet.

they have business grade internet, nationwide. (vo) make the switch. it's your business. it's your verizon. arthritis pain? we say not today. tylenol 8 hour arthritis pain has two layers of relief. the first is fast, the second is long-lasting. we give you your day back, so you can give it everything. tylenol. number one doctor recommended for arthritis pain. now back to that other major decision from the court today. six justices sided with a colorado web designer who refused to work on content for same-sex weddings not on religious grounds but on free speech. joining me now nbc news

correspondent melissa para. explain the free speech grounds here, marissa. >> hey, so you just mentioned the free speech was probably the theme of today that we've heard the most about. neil gorsuch writing that majority opinion saying in part, quote, colorado seeks to force an individual to speak in ways that align with its views but defy her conscience about a matter of major significance, continuing tolerance, not coercion is our nation's answer. the first amendment envisions the united states as a rich and complex place where all persons are free to think and speak as they wish, not as the government demands because colorado seeks to deny that promise. the judgment is reversed. so there was dissent. we heard from justice sotomayor saying in part yoet, the court for the first time in its history grants a business open to the public a constitutional right to refuse to serve members of a protected class. we've heard from the justices, in terms of reaction, i had a chance to speak with not just a

member of a legal institute in minnesota, who is also part of the lgbtq community, but also we spoke with smith at the center of all of this. when we asked for the reaction, she was thrilled. she said this is a win for free speech, freedom of expression, and so remember what she has been saying this whole time. i'm an artist, my web designs, i'm creating unique messages and so you're going to hear from her in a moment, why she explains for her this is a win for the first. take a listen. >> all i've wanted is to speak consistent with my beliefs, and i want that for everyone. i want that for the lgbt web site designer, the democratic speech writer, the jewish calligrapher, the pro life photographer, everyone should be free to speak consistent with who they are and what they believe. the government can't force

anyone to say what they believe. >> no one thinks if i go to this place, this restaurant, am i going to be turned away for who i am, and the court seems to saying well, that's just a part of life, and i don't think it has to be. and the point of antidiscrimination law is to prevent that. >> who you just heard from, that was jess braverman, legal director with gender justice, clearly two very different reactions, and the latter was one she said not surprising but disappointing nonetheless. and so what we're hearing from the lgbtq community, this is coming at a time where they already feel under attack. we have been talking about sweeping legislation, just even on the state level across the country. and so we're on the heels of the end of pride month. i asked lorie smith, what's your reaction when the lgbtq+ community feels this is a blow during a vulnerable time. what she said is i have clients

who are part of the community. i support them, but i just do not believe in the validity of same-sex marriage, she look at what she does as a part of expression, artistic expression, that's why she says this is still protecting her free speech. >> justice sotomayor says in her dissent that this now leaves lgbtq+ people as second class citizens. it gives them second class status. explain the dissent and why this justice believes that doing this means that lgbtq protections are at risk? >> well, i mean, that is something that, you know she has very strong words that came out today in regards to this, and i know that those were definitely echoed by a lot of the lgbtq+ community. jess braverman made an interesting point about what this means for states moving

forward. there are 29 states across the country that have similar antidiscrimination laws. there was that lawsuit filed by lorie smith, there are 29 other states that have similar laws, and now it's going to be interesting to see what happens moving forward. braverman with the gender justice had pointed out that there are questions on the doors that are opened by this when it comes to potential litigation for people who have hypothetical ideas. remember, there wasn't even a wedding web site that had come to fruition yet. it was just the possibility of it that lorie smith was fighting. she says now she'll start creating wedding web sites but she waited seven years for this moment that she was hoping for, and then braverman added, she says this makes our job harder because it gives license for people who discrimination under the protection of free speech. a lot of questions where the country moves forward on state levels. >> we're going to explore that coming up.

marissa parra, thank you very much. coming up next, the 6-3 divide. what this new era of the supreme court will do to change america. plus, what can the white house do. the president is addressing the public again today. we'll go there live to hear what he sayst. e to hear what he sayst . . s. s.

from prom dresses to workouts and new adventures you hope the more you give the less they'll miss. but even if your teen was vaccinated against meningitis in the past they may be missing vaccination for meningitis b.

although uncommon, up to 1 in 5 survivors of meningitis will have long term consequences. now as you're thinking about all the vaccines your teen might need make sure you ask your doctor if your teen is missing meningitis b vaccination.

hi, i'm jason. i've lost 228 pounds on golo. so when my doctor told me i needed weight loss surgery, i knew i had to make a change. golo's helped me transition to a healthier, sustainable lifestyle. i'm so surprised just how crazy my metabolism has fired up. i have a trust in golo 'cause i know it works. golo isn't like every other program out there, and i'm living proof of it. (announcer) change your life at golo.com. that's golo.com. . there is a pattern, roe v. wade, affirmative action, wade, affirmative action

and narrowing of the voting rights act. 6-3 pitting the conservative wing of the court against the remaining three liberals. what right or policy might be next. joining me is lisa rubin. a lot of 6-3 decisions ushering in a conservative era in the court. what is coming down the pike? >> i think we know today for example, one of the things coming down the pike is a review of a the pike is a review of a fifth circuit decision where the fifth and was prohibited from owning a gun was held to be unconstitutional under the supreme court's decision last term. the court is going to review the decision. the department of justice had to appeal that decision.

in some part's anyone's guess. it may be that the court wants to clarify that the decision doesn't mean a person who has a history of domestic violence can't be barred from owning firearms. on the other hand, there are a number of people who are genuinely alarmed that the court has taken this case and that it may want to. >> i have gamed this out at one point on my twitter account saying that based on the expected timing of a decision from the fifth circuit which has not ruled in the mifepristone case yet, we could see that case come before the court at exactly this time next year almost a redo of the dobbs decision where

we see a major decision on abortion right before our next elections. . elections. what i don't know is how that's going to come out. it isn't just about abortion. it's about the authority the fda has to control substances in this country. it's a decision as much about regulatory authority and the fda in particular as it is about abortion. and the consequences of the court against the fda could be dramatic in spheres that have nothing to do with abortion but for example, have to do with a variety of illnesses that all of us experience in our families, and the treatments that are fda authorized for those. i want to say one thing else about the mifepristone case now that you brought it up. this court's term illustrates how easily far right organizations have been able to opportunistically manufacture disputes that come before the

courts. it used to be the disputes that reached the supreme court were organic. someone had a legitimate dispute that reached the supreme court, but here, we see the alliance defending freedom, for example, far right conservative group reached the court not only in the web developer case but they're the organization behind the mifepristone case as well. in both circumstances, they took plaintiffs that really didn't have a bone to pick and transformed them into a dispute, and in lorie smith's case, there was nobody that wanted her to design a web site. the guy whose application says he never asked her to do that. it's not clear she had standing to maintain that lawsuit, and similarly in the mifepristone case, the alliance defending freedom sort of incorporated a new group of physicians in amarillo, texas, why, so that they could get in front of their hand-picked judge. i think it's worth considering just how these cases even come before the court in the 6-3

atmosphere to begin with. >> what you're telling me is on the question of standing and this is what we discussed a lot on mifepristone and whether the supreme court would rule on it. they might say this case doesn't have standing. this is indicating to us that standing is not going to be an issue in that case potentially. >> potentially not. there are lots of reasons why. he basically said the physicians opposing the approval of mifepristone, they had standing because they could potentially have to treat women that they had an objection to treating because these women were allowed to take mifepristone and therefore needed emergency treatment that these folks would have otherwise morally and conscientiously objected to having. i think the concept of standing before this court is certainly very elastic. we see that in the student loan dispute. we see that with respect to the

web developer who night not have had an injury or ripe dispute to bring before the trial court, much less the supreme court, and so you see this court sort of bypassing traditional hurdles to get before the court so they can reach larger and in some cases, almost philosophical questions that someone like justice kagan would say they never needed to reach at all. her criticism of the court's decision and the student loan dispute, you guys are acting like policy makers, congress didn't mean to delegate the authority to president biden and the secretary of education, but congress meant exactly to do that. they wanted basically the president and the secretary of education to have flexibility to react in emergency situations and it's you folks who are imposing your political and policy preferences on the rest of the nation by delegating a role it has not had and did not

want. >> let's dig farther into the lgbtq decision, you can exercise your free speech saying i don't want to make something for someone who i don't agree with. something i don't agree with. in this case it was gay marriage. agree with in this case it was gay marriage is that a slippery slope? is there concerns others might come into question? if so, game it out for us. >> you and i talked yesterday about the decision involving the mail carrier who said the postal service discriminated by not giving days off on sunday. that's a unanimous report that federal discrimination law had to yield, and accommodate this guy who is an evangelical christian who wants sundays off. that seems fine and well and uncontroversial. unfortunately what we have in this court is a court that's llo expand religious liberty, not only at the expense of let's say, you know, a bureaucratic employer like the u.s. postal service, but where it collides with what we thought

were well established rights of other people in particular, minority groups in this country, right, the court is essentially saying that the web developer here had a right to deny services to lgbtq individuals because of her religious freedom and free speech rights. and so whether that applies to other groups is unclear. it's unclear whether the court would treat a similar dispute involving an interracial couple the same way because of the scrutiny given to rights of minorities in this country. you have seen courts saying racial discrimination of any type is unacceptable, and regardless of which direction it goes in, this will be the test of whether this court means what it says, when it says the 14th amendment is absolute, whether or not it allows religious liberty and free speech rights, for example, to dominate the rights of folks that we have considered to have equal rights of their own. >> so how far is this going to

go? is gay marriage at risk? is contraception at risk? >> if you're asking justice thomas, certainly, he dropped that footnote in the dobbs decision last summer, indicating that in the right to privacy that undergirded roe was no longer one that we could trust, there were a variety of decisions that could equally collapse. i would be -- of all of those decisions, the one that actually i find most at risk is not obergefell, it's about contraception and reproductive health more generally. i think folks should be scared, right, the majority in the dobbs decision, this is a red herring when the dissent says other rights are at risk. don't be scared. this is simply limited to the act of abortion itself, and i'm not sure we can trust that anymore. nothing has really changed in these cases, katy. i think justice sotomayor pointed this out in one of her

dissents today in the web developer case. she basically said this case is indistinguishable from the gay baking case of five years ago. the only thing that's changed is the composition of the court. 6-3 is our new normal but what's really problematic here is that the facts of the cases aren't changing. what's changed is the people who are on the court and their willingness to take these cases even when there should be some really strong barriers to the court even hearing the cases in the first place. >> can you give me your sense of what kind of justice chief roberts is because in some cases, he sided with the conservatives and others, he's pushed back against the conservatives and sided with the liberals, he's not exactly justice kennedy. he has been more of a swing vote in the past couple of years. explain who he is as a justice. and whether he is predictable. >> predictable is a hard thing to parse when it comes to

justice roberts. there are certain domains in which he is completely predictable. for example, on the voting rights act or distinctions regarding race, i think justice roberts is exactly who people thought he was going to be, and even the person that he was, you know, decades ago as a clerk to justice rehnquist and an aide in the reagan justice department. john roberts is that person still, and john roberts is perhaps fighting harder than any other justice to tell the nation, don't be afraid that this court is illegitimate, we are holding this together, and in the second to last paragraph of his decision today and the student loan dispute, basically goes out of his way to say, look, this is an issue about which reasonable people can disagree, and the folks on the dissent side here, those are reasonable minds too. don't use this opinion as your pretext to say the court falling

apart at the seams. the court is illegitimate. that's not what is going on here. on the other hand, you have justice roberts saying that the day after justices thomas jackson engaged in one of the most strident disputes, basically reputting and prebutting each other's arguments in a personal way, in an affirmative action case. i think the most distinguishing factor of chief justice roberts' job and term right now is his effort to just hold this institution together and assure the american public that the supreme court is worthy of its trust. and that's a really tall order right now, katy. >> hold on because i was talking to julia ainsley about that at the top of the show, and who he was talking to when he said these disagreements with not personal, which is essentially what he said and telling the american public don't take this as personal.

julia was saying it was toward the liberals. are you saying it's more directed to the public, the liberals are saying this vehemently. doesn't mean we don't like each other. doesn't mean we don't respect each other. >> could be a combination of the two. i read that paragraph as a message to the american public. >> that's how i read it too. >> yeah, i read this as a message to the american public. you see us sniping at each other in these decisions. you even see some of my colleagues going out in public and making speeches, right, where they are criticizing one another or criticizing journalists who have the audacity to critique us as political actors. don't worry, america, we're holding it together. what looks intensely personal and vitriolic isn't that. we respect one another. we consider our opponents in this dispute to be reasonable minds with whom we can disagree.

i hope that's what he's saying. that's how i interpreted it. even if i hope that's what he's saying, i'm not sure that's true. there's been reporting about how the justices are interacting with one another, the eye rolls, the notes they are sending one another, the ways they interact, that even nine years ago when i watched justices alito, thomas, and sotomayor on a sage at yale law school, nine years ago, they seemed at east with each other. i don't know that that's the case anymore. i believe the court is suffering as well. >> ruth bader begins i appreciate it, that's how i read it as well. lisa rubin, thank you very much for going over my questions with me. i appreciate it. i know you're sticking around. don't go too far. what the president can do to help the tens of millions of americans staring down tens of

thousands of dollars in student debt. s of thousands of dollars in student debt i'm saving with liberty mutual, mom. they customize your car insurance so you only pay for what you need. check it out, you could save $700 dollars just by switching. ooooh, i'll look into that. let me put a reminder on my phone. save $700 dollars. pick up dad from airport? ohhhhhh. only pay for what you need. ♪ liberty. liberty. liberty. liberty. ♪ - this is our premium platinum coverage map and this is consumer cellular's map. - i don't see the difference, do you? - well, that one's purple. - [announcer] get the exact same coverage as the nation's leading carrier. starting at $20. consumer cellular.

- i got the cabin for three days. it's gonna be sweet! what? i'm 12 hours short. - have a fun weekend. - ♪ unnecessary action hero! unnecessary. ♪ - was that necessary? - no. neither is a blown weekend. with paycom, employees do their own payroll so you can fix problems before they become problems. - hmm! get paycom and make the unnecessary, unnecessary. - see you down the line.

for too long, big oil companies have bought off politicians so they can get away with ripping us off. that's changing now. joe biden passed a plan to jumpstart clean energy production in america. it's creating good jobs that can't be outsourced and will lower energy costs. $1800. that's how much a new report says the inflation reduction act could save just the average american family on energy costs. [narrator] learn how the inflation reduction act will save you money. arthritis pain? we say not today. tylenol 8 hour arthritis pain has two layers of relief. the first is fast, the second is long-lasting. we give you your day back, so you can give it everything. tylenol. number one doctor recommended for arthritis pain. why do dermatologists choose dove? the dove beauty bar, is gentle. it not only cleans, it hydrates my skin. as a dermatologist, i want what's best for our skin. with 1/4 moisturizing cream, dove is the #1 bar dermatologists use at home.

student loan borrowers will be back on the hook for repayments exactly two months from now. president biden won't be able to extend that deadline any longer without the help from congress, which has made it clear, congress has, it's not going to move to forgive student debt. if lawmakers won't act, what other options does the president have? joining me now is one of the leading experts on student

loans, the author of five best selling books, including "how to appeal for more college financial aid," mark, thank you very much. say your last name for me, because i think i might have butchered in. >> chantewitz, you got it fine. >> good. so what can the president do? what options does he have? >> there's a pending regulation, they need to publish upon a rule, and set an implementation date. if they don't set one, it would be july 2024, they could implement sooner. the new version of the repayment plan will cut the monthly place of employments on undergraduate debt in half. it will provide for forgiveness of student debts. and borrowers whose income are less than 225% of the poverty line will have their monthly

payment calculated as 0. that's up from 150%. so this provides a significant amount of financial relief for borrowers. i wouldn't be surprised if that's the substance of the president's announcement. >> and will there be a point as you're repaying the debt where you're no longer responsible for it? is there an end date to the repayments? >> well, in the income driven repayment plans, your remaining debt is forgiven after 20 or 25 years of payments at 240 or 300 payments, depending on the income driven repayment plan. with this new revised repay plan, it could be as little as ten years, 120 payments. there is an existing public service loan forgiveness plan that forgives the remaining debt after ten years or 120 payments. and that's where if you work full time in a public service job, including teaching, police,

fire, emt, and other public service occupations. >> so already ways to get around this. if you are curious about it, where can you go to get more information on that? >> well, the u.s. department of education has a lot of good information on their studentaid.gov web site. you can talk to college financial aid administrator at a local college or university or her alma mater. there are a lot of good options. there's also a toll free number run by the u.s. department of education. that's 1-800-4fedaid. that's a toll free number provided by the u.s. department of education, for people who have questions about federal student aid, and finally there's your student own servicer. >> got it. mark, stick around for us, we're going to the president in a minute. you do not go anywhere.

we need you to parse through it, depending on what he announces. we're going to business and data reporter, brian cheung. let's talk about the numbers on this and the economics on this. a lot of people, 45 million or so are going to have to start repaying their student debt in two months. what are those bills going to look like? >> yeah, well it's going to be thousands of dollars more. that's what was at stake here. $10,000 for those not on pell grants, $20,000 for those on pell grants. the amount of forgiveness you get will depend on the amount of debt you took out and the type of degree you had gotten from a university or college, but for example, if you're a nurse that got a nursing degree, your income is $70,000, the savings would have been over $200 per month, so that's many thousands in the aggregate over the annual period, so this is going to be pretty impactful for americans that are seeing 2 to 3% of the savings that they thought they were going to get on their pre-tax income on a yearly basis that will no longer be able to tap into this. >> this money has been on hold, repayments on hold for a couple

of years now. what's happened in the two years? what have people been able to spend money on that they would not have otherwise been able to do if they had been on the hook for narrow debt repayments every month? >> it's the basics, food, gas in your car, all of which has gotten notably more expensive. when it comes inflationary implications, there are some economists during the proposal when biden put this out in the fall last year said it's possible that this forgiveness could be more inflationary. that's a very difficult thing to discern. a lot of economics have been parsing through to see whether or not that would indeed be the case. we have to remember, 10,000 to $20,000, you know, even though thisdebt, that is still only a portion of the $1.6 trillion in total tunts loans. so it is a bit i guess stretched to say that it will lead to inflation in the future. but again, it is a moot point now. >> and spending power for those

people, they have been able to spend on more things in the past two years, groceries an set either, but some have also put down payments on homes, thinking about planning for a family. what is it going to mean to have their spending power pulled back, what does that do to the economy itself? >> it could kind of more abruptly kind of enforce the pullback that we've already seen in consumer spending because of the prices that have risen across the board for everything that you buy at target for example, the groceries that you will buy. when it comes to the ways that people have also used the savings during the period of this federal moratorium on student debt, they have also been used to pay down debt in other things like for example their mortgages, their credit card, other types of bore rogue prices, car loans. so this is going to further squeeze them. i want to emphasize when we talk about the demographics that are most impacted by the decision today, the biden administration was targeting a lot of the specifically younger and in many

cases low income households where the student sdet burden was a larger share of their overall debt burden. so that is something that is very much going to be in focus as well. >> incredibly expensive to go to college. thank you very much. coming up, a rioter arrested near the home of former president obama in washington, d.c. what police found in his car. d.c. what police found in his car hey bud. wow. what's all this? hawaii was too expensive so i brought it here. you know with priceline you could actually take that trip for less than all this. i made a horrible mistake. ♪ go to your happy price ♪ ♪ priceline ♪ (vo) this is sadie, she's on verizon. the network she can count on. ♪ go to your happy price ♪ and now she's got myplan, the game-changing new plan that lets her pick exactly what she wants and save on every perk. sadie is getting her plan ready for a big trip. travel pass, on. nice iphone. cute couple. trips don't last forever, neither does summer love. so, sadie is moving on.

apple music, check! introducing myplan. get exactly what you want, only pay for what you need. switch now and get iphone 14 pro max on us. offer ends july 5th. it's your verizon. needles. essential for sewing bear-bear, but maybe not for people with rheumatoid arthritis. because there are options. like an “unjection™.” xeljanz. a pill, not an injection. xeljanz is for adults with moderate to severe rheumatoid arthritis. it can help relieve joint pain and swelling, stiffness, and helps stop further joint damage. some saw improvement within two weeks. xeljanz helps some feel less ra fatigue. xeljanz can lower your ability to fight infections. before and during treatment, your doctor should check for infections like tb and do blood tests. tell your doctor if you've had hepatitis b or c,

have flu-like symptoms, or are prone to infections. serious, sometimes fatal infections, cancers including lymphoma and lung cancer, blood clots, and serious heart-related events have happened. people 50 and older, with heart disease risk factors, had an increased risk of death. tears in the stomach or intestines and serious allergic reactions have happened. needles. fine for some. but for you, there's a pill that may provide symptom relief. ask your doctor about xeljanz. look! oh my god... oh wow. i want my daughter riley to know about her ancestors and how important it is to know who you are and to know where you came from. doesn't that look like your papa? that's your great grandfather. it's like opening a whole 'nother world that we did not know existed. you finally have a face to a name. we're discovering together... it's been an amazing gift. when i was diagnosed with h-i-v, i didn't know who i would be.

but here i am... being me. keep being you... and ask your healthcare provider about the number one prescribed h-i-v treatment, biktarvy. biktarvy is a complete, one-pill, once-a-day treatment used for h-i-v in many people whether you're 18 or 80. with one small pill, biktarvy fights h-i-v to help you get to undetectable—and stay there whether you're just starting or replacing your current treatment. research shows that taking h-i-v treatment as prescribed and getting to and staying undetectable prevents transmitting h-i-v through sex. serious side effects can occur, including kidney problems and kidney failure. rare, life-threatening side effects include a buildup of lactic acid and liver problems. do not take biktarvy if you take dofetilide or rifampin. tell your healthcare provider about all the medicines and supplements you take, if you are pregnant or breastfeeding, or if you have kidney or liver problems, including hepatitis. if you have hepatitis b do not stop taking biktarvy without talking to your healthcare provider. common side effects were diarrhea, nausea, and headache. no matter where life takes you, biktarvy can go with you. talk to your healthcare provider today. show summer who's boss biktarvy can go with you. with wayfair's fourth of july clearance.

shop all the top grills and more up to 40% off. with smokin' fast shipping. and get wayfair deals so epic, it'll feel like you're getting away with something. yes! so take summer into your own hands - and get extra outdoorsy with wayfair's fourth of july clearance. june 28 through july 5. ♪ wayfair you've got just what i need ♪

a live look at the white house right now, the president will deliver a speech on student loan debt and lgbtq protections after today's two landmark rulings by the supreme court. we'll keep an eye on that. the pool has gathered which gives us an indication that it will be soon. and by pool i mean the pool of reporters and camera people when gather when the president speaks. so we'll watch that. a man accused of storming the capitol during the january 6 riot was arrested yesterday afternoon outside of the home of former president barack obama in washington, d.c. the.-year-old taylor toronto, this man, was charged with being a fugitive from justice and is being held in custody. police found materials to make an explosive device as well as multiple guns inside of his car.

police say toronto is being monitored by multiple agencies because of escalating threats on his social media. joining me now is ryan riley. so ryan, how can he be a fugitive from justice but also monitored at the same time? >> you know, this is a strange case because this individual has been identified since august of 2021, online sleuths had him dead to rights. there was no doubt that he was inside the capitol and also posted his own videos as you saw on the screen. and so sort of provoking people and asking to be arrested, he said let's get this party rolling. but in recent weeks he showed up once again in d.c., and he was here in 2022 and also posting about it, he has been living in a van down by the river right near the jail here in d.c. and, you know, essentially been ostracized by some of the other supporters of january 6 defendants who found him a little creepy and some of the

comments that he made not acceptable. these are videos showing him with the head bobbing, he looks out of it, there are other videos that show him counting the bricks on the congressional cemetery. he has really just been bizarre figure floating around meanwhile all this evidence was available to charge him. but really there are hundreds of people would have been identified by the online sleuths who have not yet been arrested by the fbi. but when you have someone coming to d.c., that escalates it a bit. so i think the reaction was finally, but why did it take this long when you have an individual who clearly believes some of the crazed conspiracy theories about the 2020 election and doesn't have all of that great of a grasp on reality it appears just sort of wandering around. and he had 400 rounds of ammunition and two guns in his car correspond to the federal

prosecutors. >> and ryan riley, thank you very much. and the president will speak in a few minutes, maybe just a few seconds. this is a live shot. he will come in, give remarks on the two major decisions by the supreme court today. one of them, to cancel student debt forgiveness. this was a big deal for the biden administration. this is a direct rebuke on the president's executive authority. the other one is to curb lgbtq protections in the name of free speech. the president will address both of those things. and that is not him peeking through the door, it is one of the aides, but it appears that they are getting close. so i'll hand it off now to my good friend nicolle wallace as "deadline: white house" starts right now.