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These were all either existing programs or a new program that forgives loans that already weren't being repaid (via existing IBR rules). This is "unpredictable" only insofar as the previous president refused to let the programs work.
He isn't. He does have that ability (because Congress specifically gave it to the Executive in the Higher Education Act), but these are existing programs directed by Congress. The new group is just Biden automatically enrolling people who qualify in the old program.
Worry about loan forgiveness to businesses and rich people rather than to poor people and public servants. There's corn and fuel subsidies costing way more than this that have perverted the economy and actively destroy the environment. People get really worried about the economic effects of poor people getting stuff like that's coming directly out of their wallet when there's so much larger and more direct issues that just get assumed as normal.
The end result was a promised program that didn't work as intended and was unreliable. The details are a little less important than the results. However, I'm actually referring broadly to some folks that I saw saying that it should be some sort of presidential 'ritual' of forgiving debt, rather than being confined to select programs.
Note that I'm less concerned about the loan forgiveness, but instead worry about the "blank check" effect and future affordability and whether or not a student gets stuck with debt assuming they will get forgiven and then get screwed because a future administration refrains from doing so or interferes with 'forgiveness'. I'd rather circumstances result in no significant debt at all, that government's willingness to contribute happens up front and universities are somewhat held accountable for their costs to keep that affordable. We can also worry about the crap done for businesses and rich people, but the current situation kind of sucks for planning if you are poor, having to go into massive debt hoping maybe you'll get in on some forgiveness down the line.
Then maybe you should have found a topic about that or referred to it specifically rather than just latching on to whatever debt-forgiveness news came up to air your grievances. It's kind of obvious you're not really concerned with whether a program is "unreliable" and just don't like debt forgiveness, because all of these things exist with any program ever. The executive can sabotage it? That's fucking everything. These are congressionally-passed laws establishing long running programs, there's no "righter" way that means a hostile executive can't sabotage it.