U.S. Department of Education to Begin Collection on Defaulted Student Loans
Startingnextmonth, the U.S. DepartmentofEducationwillbegincollectiononstudentloansthatareindefault, includinggarnishingwagesforpotentiallymillionsofborrowers.
從下個月開始，美國教育部將開始追討拖欠的學生貸款，包括扣押數百萬借款人的薪水。
Around 5.3 millionborrowersarecurrentlyindefaultontheirfederalstudentloans.
目前約有 530 萬借款人拖欠聯邦學生貸款。
TheTrumpadministration'sleniencyduetotheCOVID-19pandemiciscomingtoanend, withnofederalstudentloansbeingreferredforcollectionsinceMarch 2020.
川普政府因新冠疫情而採取的寬容政策即將結束，自 2020 年 3 月以來，沒有聯邦學生貸款被轉交催收。
UnderPresidentJoeBiden, theEducationDepartmentattemptedseveraltimestoprovidebroadstudentloanforgivenessbutwasstoppedbycourts.
在總統拜登的領導下，教育部多次試圖提供廣泛的學生貸款減免，但被法院阻止。
EducationSecretaryLindaMcMahonstatedthatAmericantaxpayerswillnolongerhavetoserveascollateralforirresponsiblestudentloanpolicies.
教育部長琳達·麥克馬洪表示，美國納稅人將不再需要為不負責任的學生貸款政策充當抵押品。
StartingMay 5, theEducationDepartmentwillinitiateinvoluntarycollectionthroughtheTreasuryDepartment'soffsetprogram, withholdinggovernmentpaymentsfromthosewithpast-duedebts.
從 5 月 5 日起，教育部將透過財政部的抵銷計畫啟動非自願收款，停止向逾期債務人支付政府款項。
Aftera30-daynotice, thedepartmentwillalsostartgarnishingwagesforborrowersindefault.
經過 30 天的通知後，該部門還將開始扣押拖欠債務的借款人的薪水。
Thedecisiontosenddebtstocollectionshasdrawncriticismfromadvocateswhofeelitwillcreateeconomicchaosforfamilies.
追討債務的決定招致了支持者的批評，他們認為此舉將為家庭帶來經濟混亂。
ManyborrowersarepreparingforfinancialobligationsasreliefmeasuresputinplacebytheTrumpandBidenadministrationscometoanend.
隨著川普和拜登政府實施的救濟措施結束，許多藉款人正在為履行財務義務做準備。
Borrowersnotmakingpaymentsforninemonthsgointodefault, impactingtheircreditscores.
借款人九個月不還款將被視為違約，從而影響其信用評分。
Questionshavearisenaboutincome-drivenrepaymentprogramswithrecentcourtrulingsblockingsomepaymentplans.
由於最近法院的裁決阻止了一些還款計劃，人們對收入驅動的還款計劃產生了質疑。
Someborrowersareexperiencingdifficultiesunderstandingthechangingpoliciesandnavigatingthroughtheprocess.
有些借款人難以理解不斷變化的政策並難以完成整個流程。
Onewayforborrowerstoavoidwagegarnishmentistoenteraloanrehabilitationprogram, whichcanhelpthemgetoutofdefaultstatus.
借款人避免被薪資扣押的一種方法是參加貸款恢復計劃，這可以幫助他們擺脫違約狀態。
Loanrehabilitationrequiresproofofincomeandexpensestocalculateasuitablepaymentplan.
貸款修復需要收入和支出證明來計算合適的還款計劃。
Starting next month, the U.S. Department of Education will begin collection on student loans that are in default, including garnishing wages for potentially millions of borrowers.
Around 5.3 million borrowers are currently in default on their federal student loans.
The Trump administration's leniency due to the COVID-19 pandemic is coming to an end, with no federal student loans being referred for collection since March 2020.
Under President Joe Biden, the Education Department attempted several times to provide broad student loan forgiveness but was stopped by courts.
Education Secretary Linda McMahon stated that American taxpayers will no longer have to serve as collateral for irresponsible student loan policies.
Starting May 5, the Education Department will initiate involuntary collection through the Treasury Department's offset program, withholding government payments from those with past-due debts.
After a 30-day notice, the department will also start garnishing wages for borrowers in default.
The decision to send debts to collections has drawn criticism from advocates who feel it will create economic chaos for families.
Many borrowers are preparing for financial obligations as relief measures put in place by the Trump and Biden administrations come to an end.
Borrowers not making payments for nine months go into default, impacting their credit scores.
Questions have arisen about income-driven repayment programs with recent court rulings blocking some payment plans.
Some borrowers are experiencing difficulties understanding the changing policies and navigating through the process.
One way for borrowers to avoid wage garnishment is to enter a loan rehabilitation program, which can help them get out of default status.
Loan rehabilitation requires proof of income and expenses to calculate a suitable payment plan.
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