Student Loans, Wage Garnishment, and What Borrowers Need to know in 2026
Federal student loan collections were scheduled to resume in early 2026, including wage
garnishment for borrowers in default. While those actions are currently paused again, the
pause is temporary. The government’s authority to collect has not gone away.
Borrowers who use this window to understand their loan status, avoid default, or resolve
existing defaults will be far better positioned than those who wait for enforcement to
resume. In this moment, proactive engagement is the most powerful form of financial
protection.
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