Happy New Year. The government is coming for borrowers with overdue federal student loan debt. Less than 40% of borrowers are current on their student loan payments, according to the U.S. Department of Education. As of April of last year, the Education Department said nearly 43 million student loan borrowers owed more than $1.6 trillion, with 5 million having not made a payment within 360 days — and some not paying for more than seven years. With defaulted loan payments having been suspended since March ...

美国教育部恢复对违约学生贷款借款人的工资扣押 - 美国教育部将于2025年2月开始恢复对违约学生贷款借款人的工资扣押 超过500万已违约的借款人将受到影响[1] - 借款人将从1月7日起收到工资扣押通知 在收到通知后有30天时间解决问题以避免工资被扣[2] - 工资扣押将使借款人更难恢复还款 并会损害其信用记录 导致其他债务成本上升[3] 借款人避免工资扣押的两种主要途径 - 专家建议违约借款人应立即了解贷款合并和贷款修复方案 并主动联系服务机构启动流程[4] - 贷款合并和贷款修复都只能进行一次 借款人需根据自身情况谨慎选择合适方案[4] 贷款合并方案详情 - 贷款合并通过将多笔贷款合并为一笔新贷款来使借款人摆脱违约状态[5] - 借款人必须签署收入驱动还款计划 或对违约贷款连续三次按时足额支付自愿月供 才能进行合并[5] - 合并后 累计利息将计入贷款本金 且违约记录和之前的逾期付款记录仍会保留在信用报告中[6] 贷款修复方案详情 - 贷款修复所需时间可能比合并更长 但能将违约贷款从借款人的信用报告中移除 且不会将累计利息计入本金[7] - 为修复贷款 借款人必须同意并在连续十个月内 根据贷款服务商确定的标准 完成九次自愿、合理且可负担的月供[9] 违约借款人的现状与影响 - 数百万联邦学生贷款借款人处于违约状态 数千人将从2月开始面临工资被扣押以抵消未偿还款项[8] - 通过贷款合并或修复 借款人可以摆脱违约状态 使贷款恢复良好记录[8]