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Melissa Maguire
Student Debt Expert, Product Specialist
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Profile
Join date: Sep 9, 2024
About
Melissa has over a decade of certification and experience in the student debt market. Since 2012, she has counseled thousands of student loan borrowers providing them clarity, guidance and tools to successfully repay their student loans. Melissa has been authored and published several times, notably in the Journal of Accountancy. In addition to her consumer advocacy, Melissa has used her expertise and experience to guide the development of Student Debt Solutions. Her vast knowledge of the rules associated with student loan repayment has been vital to product development and strategy.
Posts (59)
Jan 21, 2026 ∙ 3 min
What’s Really Changing with Student Loans in 2026 (And Why You Can’t Ignore This)
We know, this is a lot. But this is also one of those “ slow down and read it ” moments. After years of pauses, extensions, and temporary relief, multiple student loan changes are hitting at once. What happens next could directly affect your paycheck, your tax refund, and your repayment strategy in 2026 and beyond. Here’s what matters most and why now is the time to pay attention. Wage Garnishment Is Returning for Borrowers in Default For the first time since before the pandemic, the...
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Jan 21, 2026 ∙ 3 min
Your 30-Day Student Loan Game Plan for 2026
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 the SDS 30-day...
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Jan 21, 2026 ∙ 2 min
Preparing for 2026—What You Need to Know Right Now about Student Loans
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 they really take...
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