Rachel<p>Hey 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 😬<span>).<br></span>👉<span> If you're NOT in default on your federal student loans, you are not at risk of wage garnishment or aggressive collections.<br>Default means you've gone 270+ days without a payment, so unless that’s you, this does not apply.<br>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.<br>What’s actually happening:<br></span>🔹<span> Starting May 5, 2025, the Department of Education is resuming collections — but only on loans that are in DEFAULT.<br></span>🔹<span> That could include things like wage garnishment, but only for people who haven’t made a payment in nearly a year.<br></span>🔹 Official source here: <a href="https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment" rel="nofollow noopener" target="_blank">https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment</a><span><br>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.<br>Stay informed, and don’t let the propaganda (left or right) run your life </span>💙<span><br><br></span><a href="https://transfem.social/tags/studentloan" rel="nofollow noopener" target="_blank">#studentloan</a> <a href="https://transfem.social/tags/wagegarnishment" rel="nofollow noopener" target="_blank">#wagegarnishment</a> <a href="https://transfem.social/tags/loandefault" rel="nofollow noopener" target="_blank">#loandefault</a> <a href="https://transfem.social/tags/forbearance" rel="nofollow noopener" target="_blank">#forbearance</a> <a href="https://transfem.social/tags/idr" rel="nofollow noopener" target="_blank">#idr</a> <a href="https://transfem.social/tags/misinformationwars" rel="nofollow noopener" target="_blank">#misinformationwars</a></p>