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The Democrats in Washington are doing another one of their zillion-dollar smash-and-grabs.

This time, it’s Joe Biden’s scheme to forgive $10,000 in student debt for about 43 million Americans who’ve borrowed hundreds of billions of federal dollars to pay for college.

Of course, old rich Joe’s not giving his own money away.

It’s the taxpayers’ money — $330 billion or so. And it’s ordinary Joes who’ll ultimately have to repay it.

And as Nancy Pelosi knows — or at least used to last year — the president doesn’t have the power to forgive the federal school loans. Only Congress does.

But Joe and Nancy don’t care. They’re vote-pandering Democrats.

And Democrats are so desperate to prevent Republicans from flushing them down the congressional drain in November they’ll pass anything to attract more votes.

They know that by the time the Supreme Court decides that Biden’s immoral and fiscally irresponsible debt forgiveness plan is also unconstitutional — which it will — the midterms will be long over.

Maybe Biden’s blatant attempt to buy votes will backfire this fall.

After all, you don’t need a degree in ethics from Harvard to know that forcing plumbers, truckers and baristas to subsidize someone’s college loans is unfair.

But on top of benefiting college grads at the expense of the working class, the country’s already rich college industrial complex will benefit greatly from Biden’s fake generosity.

College administrators will do what they have always done whenever more government money or cheaper loans was given to prospective students — they’ll jack up their prices.

It’s a great scam, a total racket, that for decades has made colleges and their employees rich. But companies fatten up their bottom lines the same way.

For example, when Biden’s fraudulently named Inflation Reduction Act passed the other day it included tax credits of up to $7,500 if you buy a $60,000 electric car.

Ford and GM both denied there was a connection to the new tax credits, and they blamed inflation, but coincidentally they each hiked the price on their new e-vehicles between $3,000 and $8,000.

So who actually got the government e-subsidy — the car buyer or the car maker?

Out here in California, the Democrats who’ve been destroying this state for decades are passing a regulation that will outlaw the sale of new gas-powered cars by 2035.

How this state will import enough affordable electricity from renewable energy sources to charge tens of millions of electric vehicles every day will be fun for my kids and grandkids to watch.

Nuclear and fossil fuel-powered power plants are almost extinct here already.

So unless half the state moves to Texas, which actually might happen, charging everybody’s electric cars is going to take a million wind turbines or some really long extension cords from Nevada and Arizona.

California’s zero-emissions madness and Biden’s school loan relief bill are both straight out of the Democrat Party’s founding playbook.

Forcing other people to pay for the government freebies they dole out to their constituents in return for political support is how they operate — and get elected.

I wish more voters understood what was going on with Biden’s debt relief scheme and voted accordingly.

While we wait — and pray — for the midterms to put an end to the Biden-Pelosi-Schumer war against our country, what’s the answer?

First, Americans need to wake up. We need someone ringing the bell — a Paul Revere type who can warn us and also lead us.

Donald Trump is OK on policy, but he’s toxic because every issue always becomes about Trump.

Plus Trump talks only to Trump people. We need someone who can talk to everyone.

Ron DeSantis isn’t it. He’s Trump lite and he’s already been branded by the mainstream media as a mean and dangerous guy.

But I don’t know if Republicans have a spokesman other than Trump — and that’s what puts the fear of God in me.

Where is my dad when we need him?

Michael Reagan, the son of President Ronald Reagan, is an author, speaker and president of the Reagan Legacy Foundation. Send comments to reagan@caglecartoons.com and follow @reaganworld on Twitter.