Illustration of a worried borrower reviewing student loan documents with wage garnishment warning notice in background

Consumer adviser Clark Howard is urging federal student loan borrowers—particularly those in or at risk of default—to act swiftly now that a temporary pause on aggressive collection measures like wage garnishment is in place. With the U.S. Department of Education delaying involuntary collections to allow for upcoming repayment reforms, this window provides critical time to get back on track before potential future enforcement resumes.

"Federal student loan borrowers facing default must seize this moment of relief to enroll in a suitable repayment plan or…