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What to Do in the Next 30 Days Borrowers are entering 2026 facing three major pressures at the same time: Uncertainty around SAVE and forced repayment plan changes The return of collections enforcement for borrowers in default Tax season consequences for anyone in default or nearing default Together, these shifts mark a clear move away from temporary relief and toward active enforcement and system restructuring. In this environment, waiting for clarity can be costly. Below is

What’s the fastest way to stop wage garnishment? For federal loans, wage garnishment is tied to default status and can resume as collections restart in 2026. In general, borrowers stop (or avoid) garnishment by getting loans back into good standing. You have the right to appeal based on meeting eligible criteria, correcting the default through a formal path like Rehabilitation, or arranging a payment plan like an income driven plan or reasonable and affordable payments. Can

As we approach the end of December, major student-loan policy changes are coming into focus and one of the most significant involves Income-Based Repayment (IBR) .   At the same time, the Department of Education has formally announced the end of the SAVE repayment plan, as part of a settlement being pursued with the State of Missouri. As a result, millions of borrowers who relied on SAVE will now be required to transition into a new repayment plan. Against that backdrop, the