As for your lists, all it takes is a glance to immediately see the padding and fluff. For example, there are multiple lines dedicated to student loan forgiveness which is hilarious, seeing as Biden was a key figure in creating the student loan crisis in the first place:
So while he can brag about a few billions here and there freed up by enforcing rules that already existed, the student loan problem is now around $1.7 trillion and none of his policies address the loans that are currently being taken nor the loans being taken out in the future. In other words, he’s not solving the problem, not even ones he helped create himself. That’s really democrats in a nutshell: play along with republicans to create problems and then present themselves as “the thin blue line” that protects us by providing minor relief. One step forward and five steps back means you’re still going backward.