The moratorium is not expected to be indefinitely extended during Biden’s tenure, the people said, but extending it at least temporarily would provide some relief to borrowers. It is unclear if the president has signed off on the idea or been involved in the planning, though senior aides have discussed the move.

“As the legal vulnerability has become clearer and clearer, the White House has been making increasingly firm plans to extend the loan repayment pause,” one of the people familiar with the matter said. “The extension we’re likely to see is meant to make sure borrowers don’t have the rug pulled out from under them, rather than an indefinite replacement for loan forgiveness.”