What federal student loan borrowers need to know about 2025.

Federal Student Loan Borrowers May Again Face Wage Garnishments, CollectionsDigital art gif. Illustration of a black graduation cap with the words "Abolish student debt" printed in orange letters on top. The cap is surrounded by falling money.

The pandemic-era pause on federal student loan payments that has now ended means that anyone who falls behind on their loans could face wage garnishment or collections.

Higher education expert Mark Kantrowitz says your student loan servicer should send you several notices before your loan goes into default or delinquency.
If you can’t afford to repay your loans, Kantrowitz recommends talking to your lender about deferment or forbearance.  There are deferments if you’re unemployed or facing economic hardship, in the military or undergoing treatments for cancer.Digital art gif. Illustration of a cartoon male college graduate wearing a cap and gown, but instead of a tassel, a ball and chain hangs from the cap, dragging the man's head down. Inside the ball is text that reads, "We need real student loan forgiveness," all against a blue background.
A forbearance can put loan repayments on hold for three years, but borrowers will end up paying more on their loan.
You can also consider an income-driven payment plan.