Today, Explained Your student loan bill is due
64 snips
Jan 13, 2026 
Hosts a conversation with Chris Quintana, an investigative reporter from USA Today, focusing on the chilling resumption of wage garnishment for student loan defaults, and the economic ramifications for borrowers. Also joining is Jason Iuliano, a law professor who reveals insights from his study on student loans and bankruptcy discharges, highlighting increased success rates. Together, they navigate the complex landscape of repayment options and discuss the ethical implications of protecting taxpayers while addressing the needs of struggling borrowers.
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Respond Quickly To Garnishment Notices
- If you receive a 30-day garnishment notice, request a hearing or try to settle or enter a repayment plan immediately.
- Acting proactively can delay or prevent wage garnishment and other collection actions.
Default Threshold And Scale Of The Problem
- Default occurs after roughly 270 days without payment and currently affects about 5.5 million people.
- Another ~6 million are delinquent, so the scale of risk for garnishment and credit harm is large.
Listener Lexi Stopped Checking Loans
- Lexi from Michigan has $17,000 in loans without a degree and stopped checking her account during the pandemic pause.
- Chris Quintana says she's not 'screwed' but must act and contact servicers or studentaid.gov.