RachelHey just want to clear something up because I’m seeing a lot of panic around student loans and wage garnishment, and I think some of it is coming from misinformation (probably amplified by some fearmongering voices on the far left 😬).
👉 If you're NOT in default on your federal student loans, you are not at risk of wage garnishment or aggressive collections.
Default means you've gone 270+ days without a payment, so unless that’s you, this does not apply.
Most people I know (and I’m guessing many of you too) are on Income-Driven Repayment (IDR) plans, possibly even with $0 payments due, and those are totally fine. I'm on one myself — low interest, paused payments, and fully in good standing. No collections, no threats, no drama.
What’s actually happening:
🔹 Starting May 5, 2025, the Department of Education is resuming collections — but only on loans that are in DEFAULT.
🔹 That could include things like wage garnishment, but only for people who haven’t made a payment in nearly a year.
🔹 Official source here: https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment
If you're unsure, log in at studentaid.gov and check your status. If you’re on an IDR plan and in good standing, you're fine. Don’t let the noise mess with your peace of mind.
Stay informed, and don’t let the propaganda (left or right) run your life 💙
#studentloan #wagegarnishment #loandefault #forbearance #idr #misinformationwars
👉 If you're NOT in default on your federal student loans, you are not at risk of wage garnishment or aggressive collections.
Default means you've gone 270+ days without a payment, so unless that’s you, this does not apply.
Most people I know (and I’m guessing many of you too) are on Income-Driven Repayment (IDR) plans, possibly even with $0 payments due, and those are totally fine. I'm on one myself — low interest, paused payments, and fully in good standing. No collections, no threats, no drama.
What’s actually happening:
🔹 Starting May 5, 2025, the Department of Education is resuming collections — but only on loans that are in DEFAULT.
🔹 That could include things like wage garnishment, but only for people who haven’t made a payment in nearly a year.
🔹 Official source here: https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment
If you're unsure, log in at studentaid.gov and check your status. If you’re on an IDR plan and in good standing, you're fine. Don’t let the noise mess with your peace of mind.
Stay informed, and don’t let the propaganda (left or right) run your life 💙
#studentloan #wagegarnishment #loandefault #forbearance #idr #misinformationwars
U.S. Department of Education to Begin Federal Student Loan Collections, Other Actions to Help Borrowers Get Back into Repayment
The U.S. Department of Education announced its Office of Federal Student Aid (FSA) will resume collections of its defaulted federal student loan portfolio on Monday, May 5th. The Department has not collected on defaulted loans since March 2020.