The federal government is set to resume wage garnishment and tax refund offsets for student loan borrowers in default, potentially leading to hundreds of dollars in lost wages and tax refunds for those in default. Student loan delinquency has reached a record 25% of the debt, nearly triple the pre-pandemic rate, and nearly 9 million are now in outright default. The most important tool for student debt borrowers is Income-Driven Repayment (IDR), which caps monthly payments as a share of discretionary income. However, too often, people who desperately need relief often don't receive it. New York City offers free, personalized support to all 1.4 million residents carrying student debt through a program that partners with Summer, a leading student loan advisory service. The initiative has returned more than $70 million to New Yorkers, far more than the 3-year program cost, helping local businesses earn sales tax revenue for the city.