Core Insights - Social Security garnishments for delinquent federal student loans are set to resume in July 2026 for borrowers not enrolled in a new repayment plan called RAP [3][6][8] - The Department of Education has paused involuntary collections, including garnishments, since January 2026, with the aim of rolling out the new repayment plan [4][6] Current Status - The Trump administration initially paused Social Security garnishments in summer 2025, which was later extended by the Department of Education in January 2026 [4] - The new repayment plan under the Working Families Tax Cuts Act is expected to launch on July 1, 2026, after which collections may resume for those not in compliance [6] Financial Implications - The government can withhold up to 15% of monthly Social Security benefits from borrowers in default, with a minimum protection floor of $750 [7][8] - Approximately 452,000 recipients, many of whom are retirees on fixed incomes, could be affected by these garnishments [8] - Borrowers have until summer 2026 to rehabilitate their loans or file for disability discharge to avoid or reduce offsets [8]