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cover of episode Ep 475: Worried About Your Student Loans? The Steps To Take NOW

Ep 475: Worried About Your Student Loans? The Steps To Take NOW

2025/5/14
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
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Jean Chatzky
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Jillian Berman
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通过Ramsey Network的播客节目，提供实用财务建议和生活指导。
Topics
Jean Chatzky: 特朗普政府重启学生贷款催收，这让很多人担心经济状况。学生贷款偿还政策的反复变化也让人们怀疑这次是否真的会执行。我希望通过Jillian Berman的专业知识，帮助大家了解情况，并找到解决问题的方法。 Jillian Berman: 此次催收主要针对的是在疫情前已经违约的借款人，他们将面临工资扣押、社会保障福利减少等后果。对于那些在疫情后恢复还款后拖欠还款的人，如果他们不采取任何行动，今年晚些时候可能会违约。我建议大家登录studentaid.gov查询自己的贷款状态，如果发现自己已经违约，应立即联系违约解决小组，寻求康复或合并等方法来解决违约问题。如果只是拖欠但未违约，应联系贷款服务机构，尝试加入可负担的还款计划。

Deep Dive

Chapters
This chapter discusses the impact of the restarted student loan collections on borrowers. Millions of borrowers who defaulted before the pandemic will face consequences like wage garnishment and reduced benefits. Another wave of defaults is possible in the fall.
  • Restart of student loan collections affects borrowers in default for roughly a year.
  • Consequences include wage garnishment, reduced Social Security benefits, and credit score hits.
  • About 5 million borrowers are immediately affected, with another 4 million at risk of default.

Shownotes Transcript

This week, we're digging into one of the most pressing financial crises of our time: student loans. After a five-year pause, the Trump administration has officially restarted collections on defaulted federal student loans, and millions of borrowers could soon face wage garnishment, reduced Social Security benefits, and even hits to their credit scores.

Joining us is Jillian Berman, author of the groundbreaking new book, Sunk Cost: Who’s to Blame for the Nation’s Broken Student Loan System and How to Fix It). Jillian takes us behind the headlines, breaks down who is most at risk, and how to get your payments back on track if you’re in default. 

Resources & Links:

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🚀 ⁠FinanceFixx⁠) – Our 4 or 8-week coaching program to get your finances on track! 

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📈 ⁠InvestingFixx⁠) – A club for women ready to grow their wealth. Your first month is completely free.

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StudentAid.gov) – Check your loan status, repayment options, and servicer info.

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Sunk Cost by Jillian Berman)

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More from Jillian Berman on MarketWatch)

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