Joe Biden in Vox Media

On Education: 2005: no bankruptcy for student loans; 2015: student relief

Biden's team seems to concede that one provision of the bill that was not heavily debated at the time but has become more salient since then--a rule that made private student loans nondischargeable in bankruptcy--was probably not a great idea. The campaign notes that what it refers to as the "Obama-Biden administration" formally recommended that Congress change this in 2015, that in 2016 the Department of Education took administrative action to grant student debt relief, and that earlier in their term they took a range of measures to try to help with student debt--ranging from the "gainful employment rule" to income-based repayments.

Fundamentally, the point of the bill was to make it harder for people to discharge debts in bankruptcy. Biden's view was that this was a good idea, and Warren's was that it wasn't.

On Principles & Values: Member of the same club: those who stutter

On Tax Reform: Tax code shouldn't reward wealth more than work

On Welfare & Poverty: 2005 Bankruptcy bill was flawed, but my input made it better

Biden's camp, needless to say, has a different view--seeing the 2005 legislation as an admittedly flawed effort to tackle a real problem that was made better thanks to the participation of Biden and other Democrats. "Because it was a certainty that the Republican-controlled Congress and White House would turn the bankruptcy bill into law," a Biden spokesperson said, "then-Senator Biden fought for and won important concessions for middle class families in it, including protecting access to Chapter 7 forgiveness for working people, making child support and alimony the number one priority for debt payments--in front of big banks and credit card companies--and forcing credit card companies to warn borrowers about their interest rates."