Wage Garnishment Starts January 2026 Loan Borrowers on Notice

Federal student loan wage garnishment is back and set to begin the week of January 7, 2026, according to recent federal announcements. Notices will go out to borrowers in default, and if you don’t act quickly, your employer could be asked to withhold part of your paycheck to repay defaulted federal student loans.

This is a seismic shift from the pandemic-era relief many borrowers experienced. After years of payment breaks, federal collections are resuming and could impact millions of Americans struggling with student loan debt. Wage garnishment can persist month after month until your default is resolved, putting you at risk of long-term financial strain.

If your loan is in default, the time to act is now.

Smart Loan Aid specializes in helping borrowers stop wage garnishment, get out of default, and regain control of their financial future. Don’t let default costs you more of your income. Reach out before January 2026 and get personalized support today.

Take action in resolving your delinquency by visiting https://SmartLoanAid.com or give their team a call at (844) 869-5521