If they cancelled student debt, and mailed everyone whose debt was cancelled a letter that said "You don't have any more student debt because President Biden cancelled it," and then sent monthly reminder letters like "Reminder, you don't need to pay your student loans anymore. Because of Biden. But the Republicans want to bring it back," then Biden would win next term easily.

But this is an absurd hypothetical that assumes that the dems are both on your side and cool, when they are in fact neither.