Summarize and humanize this content to 2000 words in 6 paragraphs in English WASHINGTON — The Education Department will begin collection next month on student loans that are in default, including the garnishing of wages of potentially millions of borrowers, officials said Monday. Currently, roughly 5.3 million borrowers are in default on their federal student loans.The Trump administration’s announcement marks an end to a period of leniency that began during the COVID-19 pandemic. No federal student loans have been referred for collection since March 2020, including those in default. Under President Biden, the Education Department tried multiple times to give broad forgiveness of student loans, only to be stopped by courts.“American taxpayers will no longer be forced to serve as collateral for irresponsible student loan policies,” Education Secretary Linda McMahon said.Beginning May 5, the department will begin involuntary collection through the Treasury Department’s offset program, which withholds government payments — including tax refunds, federal salaries and other benefits — from people with past-due debts to the government. After a 30-day notice, the department also will begin garnishing wages of borrowers in default. The decision to send debt to collections drew criticism from advocates, who said borrowers had experienced whiplash and confusion with the changing student loan policies between the Biden and Trump administrations.“This is cruel, unnecessary and will further fan the flames of economic chaos for working families across this country,” said Mike Pierce, executive director of the Student Borrower Protection Center.Already, many borrowers have been bracing for obligations coming due. In 2020, President Trump paused federal student loan payments and interest accrual as a temporary relief measure for student borrowers. The pause in payments was extended multiple times by the Biden administration through 2023, and a final grace period for loan repayments ended in October 2024. That meant tens of millions of Americans had to start making payments again.Borrowers who don’t make payments for nine months go into default, which is reported on their credit scores and can go to collections. Along with the borrowers already in default, about 4 million others are 91 to 180 days late on their loan payments. Less than 40% of all borrowers are current on their student loans, department officials said.Layoffs at the Federal Student Aid office at the Education Department have made it harder for students to get their questions answered, even if they wanted to pay their loans, said Kristin McGuire, executive director of Young Invincibles, a group that focuses on economic security for younger adults. And questions are swirling about certain income-driven repayment programs after a February court ruling blocked some Biden-era payment plans, placing borrowers in the more lenient SAVE Plan in forbearance. The Education Department in February took down applications for income-driven repayment programs — which tie a monthly payment to a person’s income level — only to bring them back online a month later. “Things are really difficult to understand right now. Things are changing every day,” McGuire said. “We can’t assume that people are in default because they don’t want to pay their loans. People are in default because they can’t pay their loans and because they don’t know how to pay their loans.”For borrowers in default, one step to avoid wage garnishment is to get into loan rehabilitation, said Betsy Mayotte, president of the Institute for Student Loan Advisors.Borrowers must ask their loan servicer to be placed into such a program. Typically, servicers ask for proof of income and expenses to calculate a payment amount. Once a borrower has paid on time for nine months in a row, they are taken out of default, Mayotte said. A loan rehabilitation can be done only once.Biden oversaw the cancellation of student loans for more than 5 million borrowers. Despite the Supreme Court’s rejection of his signature proposal for broad relief, he waived more than $183.6 billion in student loans through expanded forgiveness programs. In her statement Monday, McMahon said Biden had gone too far. “Going forward, the Department of Education, in conjunction with the Department of Treasury, will shepherd the student loan program responsibly and according to the law, which means helping borrowers return to repayment — both for the sake of their own financial health and our nation’s economic outlook,” she said.Ma writes for the Associated Press. AP writer Adriana Morga in New York contributed to this report.
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