Student Loan Debt Collections Restart on May 5. Here’s What to Know. - The New York Times
{"@context":"https://schema.org","@type":"NewsArticle","@id":"https://www.nytimes.com/2025/04/29/business/student-loans-collections.html","description":"More than five million borrowers are in default, and millions of others are projected to be on the precipice.","image":[{"@context":"https://schema.org","@type":"ImageObject","url":"https://static01.nyt.com/images/2025/04/29/business/29student-loans/29student-loans-videoSixteenByNineJumbo1600.jpg","height":900,"width":1600,"contentUrl":"https://static01.nyt.com/images/2025/04/29/business/29student-loans/29student-loans-videoSixteenByNineJumbo1600.jpg","creditText":"Monica Garwood"},{"@context":"https://schema.org","@type":"ImageObject","url":"https://static01.nyt.com/images/2025/04/29/business/29student-loans/29student-loans-googleFourByThree.jpg","height":600,"width":800,"contentUrl":"https://static01.nyt.com/images/2025/04/29/business/29student-loans/29student-loans-googleFourByThree.jpg","creditText":"Monica Garwood"},{"@context":"https://schema.org","@type":"ImageObject","url":"https://static01.nyt.com/images/2025/04/29/business/29student-loans/29student-loans-mediumSquareAt3X.jpg","height":1800,"width":1800,"contentUrl":"https://static01.nyt.com/images/2025/04/29/business/29student-loans/29student-loans-mediumSquareAt3X.jpg","creditText":"Monica Garwood"}],"mainEntityOfPage":"https://www.nytimes.com/2025/04/29/business/student-loans-collections.html","url":"https://www.nytimes.com/2025/04/29/business/student-loans-collections.html","inLanguage":"en","author":[{"@context":"https://schema.org","@type":"Person","url":"https://www.nytimes.com/by/tara-siegel-bernard","name":"Tara Siegel Bernard"}],"dateModified":"2025-04-29T09:03:17.000Z","datePublished":"2025-04-29T09:03:17.000Z","headline":"Student Loan Debt Collections Restart on May 5. Here’s What to Know.","alternativeHeadline":"Student Debt Collections Restart on May 5. Here’s What to Know.","publisher":{"@id":"https://www.nytimes.com/#publisher","name":"The New York Times"},"hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".meteredContent"},"isPartOf":{"@type":["CreativeWork","Product"],"name":"The New York Times","productID":"nytimes.com:basic"},"copyrightHolder":{"@id":"https://www.nytimes.com/#publisher","name":"The New York Times"},"sourceOrganization":{"@id":"https://www.nytimes.com/#publisher","name":"The New York Times"},"copyrightYear":2025,"isAccessibleForFree":false,"articleSection":"Business","keywords":["Personal Finances","Student Loans","Collectors and Collections","Credit Scores","Education Department (US)","Trump, Donald J"]}{"@context":"https://schema.org","@type":"NewsMediaOrganization","name":"The New York Times","logo":{"@context":"https://schema.org","@type":"ImageObject","url":"https://static01.nyt.com/images/icons/t_logo_291_black.png","height":291,"width":291,"contentUrl":"https://static01.nyt.com/images/icons/t_logo_291_black.png","creditText":"The New York Times"},"url":"https://www.nytimes.com/","@id":"https://www.nytimes.com/#publisher","publishingPrinciples":"https://www.nytimes.com/editorial-standards/ethical-journalism.html","diversityPolicy":"https://www.nytco.com/company/diversity-and-inclusion/","ethicsPolicy":"https://www.nytco.com/company/standards-ethics/","masthead":"https://www.nytimes.com/interactive/2023/01/28/admin/the-new-york-times-masthead.html","foundingDate":"1851-09-18","sameAs":"https://en.wikipedia.org/wiki/The_New_York_Times"}
(function $t(e){if(new URL(window.location).searchParams.get("sentryOverride")||Math.floor(100*Math.random()) a,.css-68l2z5 > button{-webkit-text-decoration:none;text-decoration:none;}.css-68l2z5 > a:focus,.css-68l2z5 > button:focus{display:inline-block;outline:none;box-shadow:0 0 2px 1px rgb(0 95 204);}@supports selector(:focus-visible){.css-68l2z5 > a:focus,.css-68l2z5 > button:focus{box-shadow:none;}.css-68l2z5 > a:focus-visible,.css-68l2z5 > button:focus-visible{box-shadow:0 0 2px 1px rgb(0 95 204);}}.css-68l2z5 > a:focus{border-radius:100%;}@media (max-width:424px){.css-68l2z5{margin-right:6px;}}.css-68l2z5:last-of-type{margin-right:0;}.css-1nurhyi{height:auto;width:auto;border-radius:100%;background-color:transparent;}.css-yywogo{color:var(--color-signal-editorial,#326891);}.css-yywogo:visited{color:var(--color-signal-editorial,#326891);}.css-93zicp{display:none;}@media (min-width:375px){.css-93zicp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:16px;height:31px;}}@media (min-width:740px){.css-93zicp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:16px;height:31px;}}@media (min-width:1024px){.css-93zicp{display:none;}}@media print{.css-93zicp{display:none;}}.css-12fr9lp{height:23px;margin-top:6px;}.css-18z7m18{display:none;}@media (min-width:1024px){.css-18z7m18{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-top:0;}}@media print{.css-18z7m18{display:block;}}.css-ec8ke8{display:none;}@media (min-width:375px){.css-ec8ke8{position:fixed;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;opacity:0;z-index:1;-webkit-transition:all 0.2s ease-in-out;transition:all 0.2s ease-in-out;width:100%;height:32.063px;background:white;padding:5px 0;top:0;text-align:center;font-family:nyt-cheltenham,cheltenham-fallback-georgia,cheltenham-fallback-noto,georgia,'times new roman',times,serif;box-shadow:rgba(0,0,0,0.08) 0 0 5px 1px;border-bottom:1px solid #e2e2e2;}}@media print{.css-ec8ke8{position:relative;border:none;display:inline-block;opacity:1 !important;visibility:visible !important;}}@media (max-width:739px){.NYTApp .css-ec8ke8{display:none;}}.css-1hqnpie{margin-left:20px;margin-right:20px;max-width:1605px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;position:relative;width:100%;}@media (min-width:1360px){.css-1hqnpie{margin-left:20px;margin-right:20px;}}@media (min-width:1780px){.css-1hqnpie{margin-left:auto;margin-right:auto;}}@media print{.css-1hqnpie{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-10habuo{display:none;}@media (min-width:1024px){.css-10habuo{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;max-width:1605px;overflow:hidden;position:absolute;width:50%;margin-left:calc((100% - 50%) / 2);}}@media (min-width:740px){.NYTApp .css-10habuo{width:90%;margin-left:calc((100% - 90%) / 2);}@media (min-width:1024px){.NYTApp .css-10habuo{width:63%;margin-left:calc((100% - 63%) / 2);}}}@media print{.css-10habuo{display:none;}}.css-rnl02l{font-family:nyt-cheltenham-small,georgia,'times new roman';font-weight:400;font-size:13px;-webkit-letter-spacing:0.015em;-moz-letter-spacing:0.015em;-ms-letter-spacing:0.015em;letter-spacing:0.015em;margin-top:10.5px;margin-bottom:10.5px;margin-right:auto;white-space:nowrap;text-overflow:ellipsis;}.css-1u4hfeb{font-family:nyt-franklin,helvetica,arial,sans-serif;font-weight:700;font-size:0.75rem;text-transform:uppercase;-webkit-letter-spacing:0;-moz-letter-spacing:0;-ms-letter-spacing:0;letter-spacing:0;margin-top:12.5px;margin-bottom:auto;margin-left:auto;white-space:nowrap;}.css-1u4hfeb:hover{-webkit-text-decoration:underline;text-decoration:underline;}.css-1po1uvd{display:inline-block;padding-left:7px;padding-right:7px;font-size:13px;margin-top:10px;margin-bottom:auto;color:#cccccc;}.css-tvohiw{margin-top:-1px;margin-bottom:auto;margin-left:auto;z-index:50;box-shadow:-14px 2px 7px -2px rgba(255,255,255,0.7);}.css-b4nnp0{margin-top:1px;}@media (min-width:1024px){.css-b4nnp0{margin-top:0;}}.css-bgaqcm{font-family:nyt-franklin,helvetica,arial,sans-serif;color:#cccccc !important;border-left:1px solid #cccccc;margin-left:10px;padding:10px;display:none;}@media print{.css-bgaqcm{display:inline-block;}}.css-777zgl{position:absolute;width:1px;height:1px;margin:-1px;padding:0;border:0;-webkit-clip:rect(0 0 0 0);clip:rect(0 0 0 0);overflow:hidden;text-align:center;}.css-777zgl:focus-visible{background-color:#fff;border-radius:3px;height:auto;width:auto;-webkit-clip:auto;clip:auto;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:0.6875rem;font-weight:700;left:50%;padding:8px 8px 6px;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);top:5px;}.css-rfqw0c{text-align:center;height:100%;display:block;}.css-twqvxd{color:#cccccc;display:none;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:0.5625rem;font-weight:300;-webkit-letter-spacing:0.05rem;-moz-letter-spacing:0.05rem;-ms-letter-spacing:0.05rem;letter-spacing:0.05rem;line-height:0.5625rem;margin-left:auto;text-align:center;text-transform:uppercase;}@media (min-width:600px){.css-twqvxd{display:inline-block;}}.css-twqvxd p{margin-bottom:auto;margin-right:7px;margin-top:auto;text-transform:none;}.css-1ev7j75{color:var(--color-content-quaternary,#727272);font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:0.625rem;font-weight:500;-webkit-letter-spacing:0.05rem;-moz-letter-spacing:0.05rem;-ms-letter-spacing:0.05rem;letter-spacing:0.05rem;line-height:0.625rem;margin-bottom:9px;text-align:center;text-transform:uppercase;}.css-uwwqev{width:100%;height:100%;}.css-121kum4{width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}.css-171quhb{background:linear-gradient(180deg,hsla(0,0%,100%,0),#ffffff);position:relative;height:110px;margin-top:-126px;width:100%;}.css-asuuk5{height:170px;}.css-7axq9l{display:grid;grid-row-gap:24px;justify-items:center;margin-left:20px;margin-right:20px;padding:32px 0 40px 0;}.css-6yo1no{display:grid;grid-row-gap:8px;text-align:center;}.css-z5ryv4{color:#121212;-webkit-text-decoration:underline;text-decoration:underline;}.css-p6m5rf{margin:1.25rem 0 0;}.css-1von7hd{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex:48%;-ms-flex:48%;flex:48%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;}.css-b8gc4a{color:var(--color-content-secondary,#363636);display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;width:100%;}.css-1xny6fl{background:none;margin-right:10px;width:32px;height:32px;}@media (hover:hover){.css-1xny6fl:hover{background-color:var(--color-background-tertiary,#EBEBEB);border-radius:32px;}.css-1xny6fl:focus-visible{background-color:var(--color-background-tertiary,#EBEBEB);border-radius:32px;}}.css-3pg3bk{width:32px;height:32px;}.css-3pg3bk:focus{border-radius:32px;}.css-1wy7vlv{fill:var(--color-content-primary,#121212);}.css-uepebd{width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;gap:10px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:0.75rem;font-weight:500;}.css-14h5vr8{margin-left:5px;font-weight:300;-webkit-text-decoration:underline;text-decoration:underline;}.css-14h5vr8 a{color:var(--color-content-secondary,#363636);}.css-14h5vr8:hover{-webkit-text-decoration:none;text-decoration:none;}.css-1r7ky0e .e6idgb70 + .e1h9rw200{margin-top:0;}.css-1r7ky0e .eoo0vm40 + .e1gnsphs0{margin-top:-0.3em;}.css-1r7ky0e .e6idgb70 + .eoo0vm40{margin-top:0;}.css-1r7ky0e .eoo0vm40 + figure{margin-top:1.2rem;}.css-1r7ky0e .e1gnsphs0 + figure{margin-top:1.2rem;}.css-ew4tgv{display:none;}@media (min-width:1024px){.css-ew4tgv{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-right:0;margin-left:auto;width:130px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}}@media (min-width:1150px){.css-ew4tgv{width:210px;}}@media print{.css-ew4tgv{display:none;}}.css-s99gbd{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin-bottom:1rem;}@media (min-width:1024px){.css-s99gbd{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;height:100%;width:945px;margin-left:auto;margin-right:auto;}}@media (min-width:1150px){.css-s99gbd{width:1110px;margin-left:auto;margin-right:auto;}}@media (min-width:1280px){.css-s99gbd{width:1170px;}}@media (min-width:1440px){.css-s99gbd{width:1200px;}}@media print{.css-s99gbd{margin-left:0;margin-right:0;width:100%;max-width:100%;}}@media print{.css-s99gbd{margin-bottom:1em;display:block;}}.css-53u6y8{margin-left:auto;margin-right:auto;width:100%;}@media (min-width:1024px){.css-53u6y8{margin-left:calc((100% - 600px) / 2);margin-right:0;width:600px;}}@media (min-width:1440px){.css-53u6y8{max-width:600px;width:600px;margin-left:calc((100% - 600px) / 2);}}@media print{.css-53u6y8{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-1f1w20n{margin-right:7px;}.css-1f1w20n strong,.css-1f1w20n b{font-weight:700;}.css-1f1w20n i,.css-1f1w20n em{font-style:italic;}.css-1f1w20n sup{vertical-align:super;font-size:smaller;line-height:0;}.css-1f1w20n sub{vertical-align:sub;font-size:smaller;line-height:0;}.css-1f1w20n a{color:#326891;}.css-1f1w20n a:visited{color:#326891;}.css-1f1w20n.magazine{font-family:nyt-magsans,helvetica,arial,sans-serif;color:#444444;}.css-1f1w20n.t-magazine{color:#333333;font-family:nyt-kippenberger,helvetica,arial,sans-serif;font-weight:400;-webkit-letter-spacing:0.02em;-moz-letter-spacing:0.02em;-ms-letter-spacing:0.02em;letter-spacing:0.02em;}@media (min-width:600px){.css-1mc46rn{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:25px;padding-bottom:20px;gap:2%;border-bottom:1px solid var(--color-stroke-quaternary,#DFDFDF);-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}.css-1fhqkzs{-webkit-flex:54%;-ms-flex:54%;flex:54%;margin-top:20px;width:100%;}@media (min-width:600px){.css-1fhqkzs{margin-left:0;margin-top:0;}}.css-1ly73wi{position:absolute;width:1px;height:1px;margin:-1px;padding:0;border:0;-webkit-clip:rect(0 0 0 0);clip:rect(0 0 0 0);overflow:hidden;}.css-10698na{text-align:center;}@media (min-width:740px){.css-10698na{padding-top:0;}}@media print{.css-10698na a[href]::after{content:'';}.css-10698na svg{fill:black;}}.css-ijmohz{display:block;width:189px;height:26px;margin:5px auto 0;}@media (min-width:740px){.css-ijmohz{width:189px;height:26px;margin:5px auto 0;}}@media (min-width:1024px){.css-ijmohz{width:195px;height:26px;margin:6px auto 0;}}.css-yomkvi .actionbar-button{background:var(--color-background-primary,#FFFFFF);border:1px solid var(--color-stroke-quaternary,#DFDFDF);color:var(--color-content-primary,#121212);box-shadow:none;}.css-yomkvi .actionbar-button svg > path{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button:hover{border:1px solid var(--color-stroke-quaternary,#DFDFDF);background:var(--color-background-tertiary,#EBEBEB);color:var(--color-content-primary,#121212);}.css-yomkvi .actionbar-button:hover svg > path{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button:hover svg > g{stroke:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button:active,.css-yomkvi .actionbar-button[aria-expanded='true']{border:1px solid var(--color-stroke-tertiary,#C7C7C7);background:rgba(235,235,235,0.6);}.css-yomkvi .actionbar-button:active svg > path,.css-yomkvi .actionbar-button[aria-expanded='true'] svg > path{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button:active svg > g,.css-yomkvi .actionbar-button[aria-expanded='true'] svg > g{stroke:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='true'] .saved-fill{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='true'] .saved-stroke{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='true']:hover .saved-fill{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='true']:hover .saved-stroke{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='true']:active .saved-fill{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='true']:active .saved-stroke{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='false'] .saved-fill{fill:none;}.css-yomkvi .actionbar-button[aria-checked='false'] .saved-stroke{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='false']:hover .saved-stroke{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button[aria-checked='false']:active .saved-stroke{fill:var(--color-stroke-primary,#121212);}.css-yomkvi .actionbar-button:focus{box-shadow:0 0 2px 1px rgb(0 95 204);outline:3px solid transparent;outline-offset:2px;}@supports selector(:focus-visible){.css-yomkvi .actionbar-button:focus{box-shadow:none;}.css-yomkvi .actionbar-button:focus-visible{box-shadow:0 0 2px 1px rgb(0 95 204);outline:3px solid transparent;outline-offset:2px;}}.css-ui2i83{color:#999999;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:17px;margin-bottom:5px;margin-bottom:0;}@media print{.css-ui2i83{display:none;}}.css-atthsv{color:#999999;display:inline;margin-right:12px;width:100%;position:relative;}.css-atthsv > a,.css-atthsv > button{-webkit-text-decoration:none;text-decoration:none;}.css-atthsv > a:focus,.css-atthsv > button:focus{display:inline-block;outline:none;box-shadow:0 0 2px 1px rgb(0 95 204);}@supports selector(:focus-visible){.css-atthsv > a:focus,.css-atthsv > button:focus{box-shadow:none;}.css-atthsv > a:focus-visible,.css-atthsv > button:focus-visible{box-shadow:0 0 2px 1px rgb(0 95 204);}}.css-atthsv > a:focus{border-radius:100%;}@media (max-width:424px){.css-atthsv{margin-right:6px;}}.css-atthsv:last-of-type{margin-right:0;}.css-zd9juy{display:inline-block;vertical-align:middle;width:20px;border-radius:100%;padding:6px;overflow:initial;vertical-align:middle;height:20px;}.css-zd9juy path{fill:var(--color-content-primary,#121212);}.css-10d8k1f{direction:ltr;display:inline-block;vertical-align:middle;border-radius:30px;padding:6px 10px 6px;font-size:0.75rem;font-family:nyt-franklin,helvetica,arial,sans-serif;line-height:0.9375rem;text-align:right;font-weight:500;}.css-10d8k1f:hover .gift-count{background-color:#fafafa;}@media (max-width:600px){.css-10d8k1f{padding:6px 7px 5px;}}.css-10d8k1f svg{margin-right:5px;vertical-align:-6px;height:20px;}.css-eap6fy{height:18px;width:18px;padding:7px;overflow:visible;vertical-align:middle;cursor:not-allowed;}.css-eap6fy g{stroke-width:0.1px;}@media (min-width:1150px){.css-eap6fy:hover g,.css-eap6fy:focus g{stroke:var(--color-stroke-secondary,#8B8B8B);opacity:1;}}.css-ktho12{color:var(--color-content-quaternary,#727272);font-family:nyt-imperial,georgia,'times new roman',times,serif;margin:10px 20px 0;text-align:left;}.css-ktho12 a{color:var(--color-signal-editorial,#326891);-webkit-text-decoration:none;text-decoration:none;}.css-ktho12 a:hover,.css-ktho12 a:focus{-webkit-text-decoration:underline;text-decoration:underline;}@media (min-width:600px){.css-ktho12{margin-left:0;}}.sizeSmall .css-ktho12{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;width:calc(50% - 15px);margin:auto 0 15px 15px;}@media (min-width:600px){.sizeSmall .css-ktho12{width:260px;margin-left:15px;}}@media (min-width:740px){.sizeSmall .css-ktho12{margin-left:15px;}}@media (min-width:1440px){.sizeSmall .css-ktho12{width:330px;margin-left:15px;}}@media (max-width:600px){.sizeSmall .css-ktho12{margin:auto 0 0 15px;}}.sizeSmall.sizeSmallNoCaption .css-ktho12{margin-left:auto;margin-right:auto;margin-top:10px;}.sizeMedium .css-ktho12{max-width:900px;}.sizeSmall.layoutVertical.verticalVideo .css-ktho12{margin:0 0 auto 16px;}@media (min-width:740px){.sizeSmall.layoutVertical.verticalVideo .css-ktho12{margin:auto 0 auto 16px;}}.sizeMedium.layoutVertical.verticalVideo .css-ktho12{margin-left:auto;margin-right:auto;width:calc(100% - 40px);}@media (min-width:600px){.sizeMedium.layoutVertical.verticalVideo .css-ktho12{width:100%;}}.sizeLarge .css-ktho12{max-width:none;}@media (min-width:600px){.sizeLarge .css-ktho12{margin-left:20px;}}@media (min-width:740px){.sizeLarge .css-ktho12{margin-left:20px;max-width:900px;}}@media (min-width:1024px){.sizeLarge .css-ktho12{margin-left:0;max-width:720px;}}@media (min-width:1440px){.sizeLarge .css-ktho12{margin-left:0;max-width:900px;}}@media (min-width:740px){.sizeLarge.layoutVertical .css-ktho12{margin-left:0;}}.sizeFull .css-ktho12{margin-left:20px;}@media (min-width:600px){.sizeFull .css-ktho12{max-width:900px;}}@media (min-width:740px){.sizeFull .css-ktho12{max-width:900px;}}@media (min-width:1440px){.sizeFull .css-ktho12{max-width:900px;}}@media print{.css-ktho12{display:none;}}.css-14fe1uy{display:inline;color:var(--color-content-quaternary,#727272);font-family:nyt-franklin,helvetica,arial,sans-serif;-webkit-letter-spacing:0.01em;-moz-letter-spacing:0.01em;-ms-letter-spacing:0.01em;letter-spacing:0.01em;font-size:0.75rem;line-height:1rem;}@media (min-width:740px){.css-14fe1uy{font-size:0.75rem;line-height:1rem;}}@media (min-width:1150px){.css-14fe1uy{font-size:0.8125rem;line-height:1.0625rem;}}.css-11iyrz3{background-color:var(--color-background-secondary,#F8F8F8);border-bottom:1px solid var(--color-stroke-quaternary,#DFDFDF);border-top:1px solid var(--color-stroke-quaternary,#DFDFDF);margin:2rem auto;padding-bottom:30px;padding-top:12px;text-align:center;position:relative;margin-top:1rem;min-height:280px;}@media (min-width:740px){.css-11iyrz3{margin:3rem auto;}}@media print{.css-11iyrz3{display:none;}}@media (min-width:740px){.css-11iyrz3{margin-bottom:3rem;margin-top:2rem;}}.css-1ho5u4o{list-style:none;margin:0 0 15px;padding:0;}@media (min-width:600px){.css-1ho5u4o{display:inline-block;}}.css-t8x4fj{list-style:none;line-height:8px;padding:0;}.css-t8x4fj:last-child > li{margin:16px 0 0 0;}@media (min-width:600px){.css-t8x4fj{display:inline-block;}}.css-a7htku{display:inline-block;line-height:20px;padding:0 10px;}.css-a7htku:first-child{border-left:none;}.css-a7htku.desktop{display:none;}@media (min-width:740px){.css-a7htku.smartphone{display:none;}.css-a7htku.desktop{display:inline-block;}.css-a7htku.mobileOnly{display:none;}}.css-1u5onbp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:0.25rem;margin-bottom:0.75rem;}.css-1u5onbp > img,.css-1u5onbp a > img,.css-1u5onbp div > img{margin-right:10px;}.css-165eim7{min-width:60px;display:inline-block;margin-bottom:auto;}.css-dc6zx6{width:50px;margin-right:10px;vertical-align:bottom;border-radius:50%;}.css-233int{display:inline-block;}.css-4anu6l{display:inline-block;margin:0;font-size:0.875rem;line-height:1.125rem;font-family:nyt-franklin,helvetica,arial,sans-serif;font-weight:700;color:var(--color-content-secondary,#363636);}@media (min-width:740px){.css-4anu6l{font-size:0.9375rem;line-height:1.25rem;}}.css-ojhyzr{color:inherit;-webkit-text-decoration:underline;text-decoration:underline;text-underline-offset:1px;-webkit-text-decoration-thickness:1px;text-decoration-thickness:1px;-webkit-text-decoration-color:var(--color-content-quaternary,#727272);text-decoration-color:var(--color-content-quaternary,#727272);display:inline-block;}.css-ojhyzr:hover,.css-ojhyzr:focus{-webkit-text-decoration:none;text-decoration:none;}.css-gqryk5{margin-bottom:0.25rem;margin-bottom:0;margin-top:0;}.css-gqryk5:empty{display:none;}.css-at9mc1{margin-bottom:0.78125rem;margin-top:0;overflow-wrap:break-word;color:var(--color-content-secondary,#363636);font-family:nyt-imperial,georgia,'times new roman',times,serif;font-size:1.125rem;line-height:1.5625rem;margin-left:20px;margin-right:20px;width:calc(100% - 40px);max-width:600px;}@media (min-width:740px){.css-at9mc1{margin-bottom:0.9375rem;margin-top:0;}}.css-at9mc1 .css-yywogo{-webkit-text-decoration:underline;text-decoration:underline;-webkit-text-decoration-style:solid;text-decoration-style:solid;-webkit-text-decoration-thickness:1px;text-decoration-thickness:1px;-webkit-text-decoration-color:var(--color-signal-editorial,#326891);text-decoration-color:var(--color-signal-editorial,#326891);}.css-at9mc1 .css-yywogo:hover,.css-at9mc1 .css-yywogo:focus{-webkit-text-decoration:none;text-decoration:none;}@media (min-width:740px){.css-at9mc1{font-size:1.25rem;line-height:1.875rem;}}.css-at9mc1:first-child{margin-top:0;}.css-at9mc1:last-child{margin-bottom:0;}.css-at9mc1.e1h9rw200:last-child{margin-bottom:0.75rem;}.css-at9mc1.eoo0vm40:first-child{margin-top:0.8125rem;}@media (min-width:600px){.css-at9mc1{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-at9mc1{margin-left:0;margin-right:0;width:100%;max-width:100%;}.css-at9mc1.eoo0vm40:first-child{margin-top:1.1875rem;}}@media print{.css-at9mc1{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-13o6u42{color:var(--color-content-primary,#121212);font-family:nyt-cheltenham,cheltenham-fallback-georgia,cheltenham-fallback-noto,georgia,'times new roman',times,serif;font-weight:600;font-size:1.625rem;line-height:1.875rem;margin-left:20px;margin-right:20px;width:calc(100% - 40px);max-width:600px;margin:30px 20px 0.75rem;text-align:left;}@media (min-width:740px){.css-13o6u42{font-size:1.75rem;line-height:2.125rem;}}.css-13o6u42 .css-yywogo{color:var(--color-signal-editorial,#326891);-webkit-text-decoration:underline;text-decoration:underline;-webkit-text-decoration-thickness:1px;text-decoration-thickness:1px;text-underline-offset:3px;}.css-13o6u42 .css-yywogo:hover,.css-13o6u42 .css-yywogo:focus{-webkit-text-decoration:none;text-decoration:none;}.css-13o6u42:first-child{margin-top:0;}.css-13o6u42:last-child{margin-bottom:0;}.css-13o6u42.e1h9rw200:last-child{margin-bottom:0.75rem;}.css-13o6u42.eoo0vm40:first-child{margin-top:0.8125rem;}@media (min-width:600px){.css-13o6u42{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-13o6u42{margin-left:0;margin-right:0;width:100%;max-width:100%;}.css-13o6u42.eoo0vm40:first-child{margin-top:1.1875rem;}}@media print{.css-13o6u42{margin-left:0;margin-right:0;width:100%;max-width:100%;}}@media (min-width:740px){.css-13o6u42{margin-top:35px;margin-left:auto;margin-right:auto;margin-bottom:1.25rem;}}@media print{.css-13o6u42{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-kbghgg{--tpl-color-content-primary:hsla(0,0%,7.06%,1);--tpl-color-content-primaryDim:hsla(0,0%,21.18%,1);--tpl-color-content-secondary:hsla(0,0%,35.3%,1);--tpl-color-content-secondaryDim:hsla(0,0%,44.71%,1);--tpl-color-content-accent:hsla(213.44,55.75%,46.08%,1);--tpl-color-content-accentDim:hsla(205.9,48.72%,38.24%,1);--tpl-color-content-positive:hsla(126.98,53.09%,31.77%,1);--tpl-color-content-negative:hsla(354.29,98.83%,33.34%,1);--tpl-color-content-breaking:hsla(352.72,98.1%,41.18%,1);--tpl-color-content-placeholder:hsla(0,0%,54.51%,1);--tpl-color-stroke-primary:hsla(0,0%,7.06%,1);--tpl-color-stroke-secondary:hsla(0,0%,59.22%,1);--tpl-color-stroke-tertiary:hsla(0,0%,87.46%,1);--tpl-color-background-primary:hsla(0,0%,100%,1);--tpl-color-background-secondary:hsla(0,0%,97.26%,1);--tpl-color-background-tertiary:hsla(0,0%,92.16%,1);--tpl-color-background-highlight:hsla(54.67,95.75%,90.79%,1);--tpl-color-background-scrim:hsla(0,0%,7%,0.6);--serif:georgia,'times new roman',times,serif;--sans-serif:helvetica,arial,sans-serif;--cheltenham:"nyt-cheltenham",var(--serif);--franklin:"nyt-franklin",var(--sans-serif);--imperial:"nyt-imperial",var(--serif);--karnak:"nyt-karnak",var(--serif);--cheltenham-condensed:"nyt-cheltenham-cond",var(--serif);--cheltenham-text-condensed:"nyt-cheltenham-text-cond",var(--serif);}@media (forced-colors:none){.css-kbghgg *{outline:0.125rem solid var(--tpl-color-content-accent,#346EB7);outline-offset:0.125rem;outline-color:transparent;}}.css-kbghgg *:focus{outline:0.125rem solid var(--tpl-color-content-accent,#346EB7);outline-offset:0.125rem;}.css-kbghgg *:focus:not(:focus-visible){outline:0.125rem solid transparent;}.css-kbghgg *:focus-visible{outline:0.125rem solid var(--tpl-color-content-accent,#346EB7);outline-offset:0.125rem;}.css-1g71tqy{-webkit-animation:fadeIn 2s ease;animation:fadeIn 2s ease;overflow:hidden;display:grid;grid-row-gap:24px;justify-items:center;margin-left:20px;margin-right:20px;padding:32px 0 40px 0;}@-webkit-keyframes fadeIn{0%{opacity:0;}50%{opacity:0;}100%{opacity:1;}}@keyframes fadeIn{0%{opacity:0;}50%{opacity:0;}100%{opacity:1;}}.css-1b5b8u1{display:block;}@media (prefers-color-scheme:dark){[data-dark-mode] .css-1b5b8u1 .icon-light{visibility:hidden;}}.css-1b5b8u1 .icon-dark{visibility:hidden;}@media (prefers-color-scheme:dark){[data-dark-mode] .css-1b5b8u1 .icon-dark{visibility:visible;}}.css-3kpklk{margin:0;color:var(--tpl-color-content-secondaryDim,#727272);font:500 1rem/1.3 nyt-franklin,helvetica,arial,sans-serif;}.css-1ygeb3d{position:relative;margin:0 auto;}@media (min-width:600px){.css-1ygeb3d{margin:0 auto 20px;}}.css-1ygeb3d .relatedcoverage + .recirculation{margin-top:20px;}.css-1ygeb3d .wrap + .recirculation{margin-top:20px;}.css-11vzj2f{color:var(--color-content-quaternary,#727272);font-family:nyt-imperial,georgia,'times new roman',times,serif;margin-top:6px;margin-right:50px;margin-bottom:0;max-width:900px;text-align:left;display:none;font-size:0.875rem;line-height:1.125rem;margin-left:20px;}@media (min-width:1024px){.css-11vzj2f{display:block;margin-left:50px;}}@media (min-width:1440px){.css-11vzj2f{font-size:0.9375rem;line-height:1.25rem;}}@media (min-width:1024px){.css-11vzj2f{margin-left:auto;margin-right:30px;text-align:right;width:calc(50% - 30px);}}.css-1wyt60f{margin:1.25rem auto 1.5rem;margin-top:0;}.css-1wyt60f strong{font-weight:700;}.css-1wyt60f em{font-style:italic;}.css-1wyt60f.sizeSmall{width:calc(100% - 40px);display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}@media (min-width:600px){.css-1wyt60f.sizeSmall{max-width:600px;margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-1wyt60f.sizeSmall{width:100%;}}@media (min-width:1440px){.css-1wyt60f.sizeSmall{max-width:600px;}}.css-1wyt60f.sizeSmall.sizeSmallNoCaption{display:block;}@media print{.css-1wyt60f.sizeSmall.sizeSmallNoCaption{display:none;}}.css-1wyt60f.sizeMedium{width:100%;max-width:600px;margin-right:auto;margin-left:auto;}@media (min-width:600px){.css-1wyt60f.sizeMedium{width:calc(100% - 40px);}}@media (min-width:740px){.css-1wyt60f.sizeMedium{max-width:600px;}}@media (min-width:600px){.css-1wyt60f.sizeMedium.layoutVertical{width:420px;}}.css-1wyt60f.sizeMedium.layoutVertical.verticalVideo{width:100%;}@media (min-width:600px){.css-1wyt60f.sizeMedium.layoutVertical.verticalVideo{width:420px;}}.css-1wyt60f.sizeLarge{width:100%;max-width:1200px;margin-left:auto;margin-right:auto;}@media (min-width:600px){.css-1wyt60f.sizeLarge{width:auto;}}@media (min-width:740px){.css-1wyt60f.sizeLarge.layoutVertical{width:600px;}.css-1wyt60f.sizeLarge.layoutVertical.verticalVideo{width:600px;}}@media (min-width:1024px){.css-1wyt60f.sizeLarge{width:945px;}}@media (min-width:1440px){.css-1wyt60f.sizeLarge{width:1200px;}.css-1wyt60f.sizeLarge.layoutVertical{width:720px;}.css-1wyt60f.sizeLarge.layoutVertical.verticalVideo{width:600px;}}@media (min-width:740px){.css-1wyt60f{margin:2.5rem auto;}}@media print{.css-1wyt60f{display:none;}}@media (min-width:600px){.css-1wyt60f{margin-top:0;}}@media (min-width:1024px){.css-1wyt60f{max-width:none;width:100%;}}.css-18h6vyh{position:relative;}.sizeSmall .css-18h6vyh{width:50%;}@media (min-width:600px){.sizeSmall .css-18h6vyh{width:300px;}}@media (min-width:1440px){.sizeSmall .css-18h6vyh{width:300px;}}@media (max-width:600px){.sizeSmall .css-18h6vyh{width:50%;}}.sizeSmall.sizeSmallNoCaption .css-18h6vyh{margin-left:auto;margin-right:auto;}@media (min-width:740px){.sizeSmall.layoutVertical .css-18h6vyh{max-width:250px;}}@media (min-width:1024px){.sizeSmall.layoutVertical .css-18h6vyh{width:250px;}}@media (max-width:740px){.sizeSmall.layoutVertical .css-18h6vyh{max-width:250px;}}@media (min-width:740px){.sizeSmall.layoutHorizontal .css-18h6vyh{max-width:300px;}}@media (min-width:1024px){.sizeSmall.layoutHorizontal .css-18h6vyh{width:300px;}}@media (max-width:740px){.sizeSmall.layoutHorizontal .css-18h6vyh{max-width:300px;}}@media (min-width:600px){.sizeMedium.layoutVertical.verticalVideo .css-18h6vyh{width:420px;}}@media (min-width:1024px){.css-18h6vyh{background-color:#fff;height:100vh;}}.css-mm25ji{height:auto;width:100%;width:100%;vertical-align:top;}.css-mm25ji img{width:100%;vertical-align:top;}@media (min-width:1024px){@supports (object-fit:cover){.css-mm25ji{object-fit:cover;object-position:50% 50%;width:100vw;height:100vh;}}.css-mm25ji.Image-image{object-fit:cover;object-position:50% 50%;width:100vw;height:100vh;}}@media (min-width:1024px){.css-1nf2dl3{position:relative;border-bottom:none;position:inherit;width:inherit;z-index:inherit;}}.css-hdgjxg{background:transparent;border-bottom:1px solid #e2e2e2;height:36px;padding:8px 15px 3px;position:relative;background:transparent;border-bottom:none;max-width:100%;top:-7px;background:hsla(0,0%,100%,0.25);}@media (min-width:740px){.css-hdgjxg{background:transparent;padding:8px 15px 3px;}}@media (min-width:1024px){.css-hdgjxg{background:transparent;border-bottom:0;padding:4px 15px 2px;}}@media (min-width:740px){.css-hdgjxg{background:hsla(0,0%,100%,0.25);}}@media (min-width:1024px){.css-hdgjxg{margin:0 auto;max-width:1605px;background:hsla(0,0%,100%,0);}}.css-a44i74{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;left:10px;position:absolute;}@media (min-width:1024px){.css-a44i74{left:20px;}}@media print{.css-a44i74{display:none;}}.css-72qxfg{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;position:absolute;right:10px;top:8px;}@media (min-width:1024px){.css-72qxfg{top:4px;right:20px;}}@media print{.css-72qxfg{display:none;}}.css-yi0xdk{display:none;display:none;}@media (min-width:1024px){.css-yi0xdk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:40px;}}.css-1cgskve{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:0;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;-webkit-align-items:flex-end;-webkit-box-align:flex-end;-ms-flex-align:flex-end;align-items:flex-end;}.css-ccw2r3{-webkit-flex-shrink:1;-ms-flex-negative:1;flex-shrink:1;padding-right:1rem;list-style:none;}.css-1uc6ajg{font-family:nyt-franklin,helvetica,arial,sans-serif;font-weight:500;color:var(--color-content-secondary,#363636);margin-bottom:1rem;font-size:0.8125rem;line-height:1.125rem;margin-bottom:0;margin-top:0;}.css-1krtrpn{text-transform:uppercase;color:var(--color-content-secondary,#363636);font-family:nyt-franklin,helvetica,arial,sans-serif;font-weight:500;-webkit-letter-spacing:0.05em;-moz-letter-spacing:0.05em;-ms-letter-spacing:0.05em;letter-spacing:0.05em;font-size:0.8125rem;line-height:1.125rem;margin:35px 20px 3px;text-align:left;display:block;}@media (min-width:740px){.css-1krtrpn{font-size:0.875rem;line-height:1.25rem;}}.css-1krtrpn .css-yywogo{color:var(--color-content-primary,#121212);border-bottom:2px solid var(--color-stroke-quaternary,#DFDFDF);-webkit-text-decoration:none;text-decoration:none;}.css-1krtrpn .css-yywogo:hover,.css-1krtrpn .css-yywogo:focus{color:var(--color-content-primary,#121212);border-bottom:2px solid var(--color-stroke-primary,#121212);}.css-1krtrpn .css-yywogo:visited{color:var(--color-content-primary,#121212);}@media print{.css-1krtrpn{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-178vgup{font-style:normal;font-stretch:normal;margin-bottom:1.25rem;color:var(--color-content-secondary,#363636);font-family:nyt-cheltenham,cheltenham-fallback-georgia,cheltenham-fallback-noto,georgia,'times new roman',times,serif;font-weight:300;font-size:1.25rem;line-height:1.5625rem;text-align:left;margin:0 20px 1.6rem;}@media (min-width:740px){.css-178vgup{font-size:1.4375rem;line-height:1.875rem;}}@media (min-width:740px){.css-178vgup{margin-bottom:1.875rem;}}.css-141yyh8{width:calc(100% - 40px);margin-bottom:25px;color:#333333;margin-left:20px;margin-right:20px;max-width:600px;}@media (min-width:600px){.css-141yyh8{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-141yyh8{text-align:left;}}@media (min-width:1440px){.css-141yyh8{max-width:600px;}}@media print{.css-141yyh8{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-2u4hqh{top:0;position:-webkit-sticky;position:sticky;background-color:var(--color-background-elevated,#FFFFFF);z-index:902;display:none;}@media (min-width:1024px){.css-2u4hqh{margin-top:3px;}}@media (min-width:1024px){.css-2u4hqh:empty{margin-top:0;}}@media print{.css-2u4hqh{display:none;}}.css-1bcu9v6{position:absolute;top:6px;width:100%;z-index:1000000000;}@media print{.css-1bcu9v6{display:none;}}@media (min-width:1024px){.css-1sojcmr::first-letter{margin-left:0;}.css-1sojcmr .balancedHeadline::first-letter{margin-left:0;}}.css-v3oks{color:var(--color-content-primary,#121212);font-family:nyt-cheltenham,cheltenham-fallback-georgia,cheltenham-fallback-noto,georgia,'times new roman',times,serif;font-weight:700;font-style:italic;font-size:1.9375rem;line-height:2.25rem;margin:0 20px 20px;position:relative;text-align:left;}@media (min-width:740px){.css-v3oks{font-size:2.5rem;line-height:2.875rem;}}@media (min-width:600px){.css-v3oks{margin-left:auto;margin-right:auto;}}@media print{.css-v3oks{margin-left:0;margin-right:0;width:100%;max-width:100%;}}@media (min-width:1024px){.css-gq7jix{z-index:0;overflow:hidden;width:100vw;}.css-gq7jix video{object-fit:cover;}}@media (max-width:1023px){.css-gq7jix video{object-fit:cover;}}@media (min-width:1024px){.css-gq7jix{border-bottom:1px solid var(--color-stroke-quaternary,#DFDFDF);}}@media (min-width:1024px){.css-13rzfl0 .e6idgb70{display:block;color:#121212;}}@media (min-width:1024px){.css-13rzfl0 .e1h9rw200{display:block;color:#121212;}}@media (min-width:1024px){.css-13rzfl0 .e1wiw3jv0{display:block;color:#121212;}}@media (min-width:1024px){.css-13rzfl0{margin-top:auto;margin-bottom:auto;}}@media (min-width:1024px){.css-13rzfl0 .e1wiw3jv0{margin-bottom:20px;}}@media (min-width:1024px){.css-13rzfl0{padding-left:0;}.css-13rzfl0 .e6idgb70,.css-13rzfl0 .e1h9rw200{margin-left:auto !important;margin-right:auto;text-align:center;}.css-13rzfl0 .e6idgb70.left,.css-13rzfl0 .e1h9rw200.left{text-align:center;}.css-13rzfl0 .e6idgb70::before,.css-13rzfl0 .e1h9rw200::before{margin-left:auto !important;}.css-13rzfl0 hr{margin-left:auto !important;margin-right:auto;}.css-13rzfl0 .e1wiw3jv0{text-align:left;margin-left:auto !important;margin-right:auto;}@media (min-width:1024px){.css-13rzfl0 .e1wiw3jv0{text-align:center;}}}.css-ofybws{color:#999999;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:17px;margin-bottom:5px;margin-bottom:20px;border-bottom:1px solid #ebebeb;padding-bottom:25px;margin-bottom:25px;}@media print{.css-ofybws{display:none;}}@media (min-width:740px){.css-ofybws{margin-bottom:25px;}}@media (min-width:600px){.css-ofybws{padding-top:0;border-top:none;margin-top:0;border-bottom:none;padding-bottom:0;margin-bottom:0;-webkit-box-pack:end;-webkit-justify-content:flex-end;-ms-flex-pack:end;justify-content:flex-end;}.css-ofybws li{margin-right:6px;}}.css-1xqucq6{background-color:transparent;}@media (min-width:1024px){.css-1xqucq6{position:relative;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;z-index:2;bottom:0;padding:50px 0 70px;padding-left:0;width:100%;-webkit-transition:background ease-in-out 0.5s;transition:background ease-in-out 0.5s;background-color:#ffffff;}}@media (min-width:1024px){.css-1xqucq6{border-bottom:1px solid var(--color-stroke-quaternary,#DFDFDF);}}@media (min-width:1024px){.css-1xqucq6{padding:55px 0 0;}}.css-98qy7j .e6idgb70{width:calc(100% - 40px);max-width:600px;margin-left:20px;margin-right:20px;width:calc(100% - 40px);font-size:0.813rem;line-height:0.9375rem;font-weight:700;margin-top:1.1rem;margin-bottom:0.6rem;-webkit-transform:none;-ms-transform:none;transform:none;}@media (min-width:600px){.css-98qy7j .e6idgb70{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-98qy7j .e6idgb70{width:600px;}}@media (min-width:1440px){.css-98qy7j .e6idgb70{width:600px;max-width:600px;}}@media print{.css-98qy7j .e6idgb70{margin-left:0;margin-right:0;width:100%;max-width:100%;}}@media (min-width:600px){.css-98qy7j .e6idgb70{font-size:0.875rem;line-height:1.125rem;width:90%;}}@media (min-width:1024px){.css-98qy7j .e6idgb70{text-align:center;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}.css-98qy7j .e6idgb70.left{text-align:center;}}@media (min-width:1024px){.css-98qy7j .e6idgb70{color:#121212;}.css-98qy7j .e6idgb70 span:{color:#121212;}}@media (min-width:1024px){.css-98qy7j .e6idgb70 a{color:var(--color-signal-breaking,#D0021B);}.css-98qy7j .e6idgb70 a svg#the-athletic-logo{fill:#121212;}}.css-98qy7j .e1h9rw200{width:calc(100% - 40px);max-width:600px;margin-left:20px;margin-right:20px;font-size:2.12rem;line-height:2.46rem;text-wrap:balance;margin-bottom:0.6rem;font-size:2.125rem;line-height:2.4375rem;}@media (min-width:600px){.css-98qy7j .e1h9rw200{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-98qy7j .e1h9rw200{width:600px;}}@media (min-width:1440px){.css-98qy7j .e1h9rw200{width:600px;max-width:600px;}}@media print{.css-98qy7j .e1h9rw200{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-98qy7j .e1h9rw200::before{background-color:var(--color-background-tertiary,#EBEBEB);}@media (min-width:600px){.css-98qy7j .e1h9rw200{margin-bottom:25px;}}@media (min-width:1024px){.css-98qy7j .e1h9rw200{text-align:center;width:80%;margin-bottom:0.6rem;}}@media (min-width:740px){.css-98qy7j .e1h9rw200{font-size:2.75rem;line-height:3.0625rem;width:80%;}}.css-98qy7j .e1wiw3jv0{width:calc(100% - 40px);max-width:600px;margin-left:20px;margin-right:20px;font-weight:400;max-width:600px;margin-bottom:20px;}@media (min-width:600px){.css-98qy7j .e1wiw3jv0{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-98qy7j .e1wiw3jv0{width:600px;}}@media (min-width:1440px){.css-98qy7j .e1wiw3jv0{width:600px;max-width:600px;}}@media print{.css-98qy7j .e1wiw3jv0{margin-left:0;margin-right:0;width:100%;max-width:100%;}}@media (min-width:600px){.css-98qy7j .e1wiw3jv0{margin-bottom:25px;}}@media (min-width:1024px){.css-98qy7j .e1wiw3jv0{text-align:center;width:90%;max-width:600px;margin-left:auto;margin-bottom:35px;}.css-98qy7j .e1wiw3jv0.left{text-align:center;}}@media (min-width:1024px){.css-98qy7j{height:100vh;overflow:hidden;margin-bottom:7px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}@media (min-width:1024px){.css-98qy7j{-webkit-flex-direction:row-reverse;-ms-flex-direction:row-reverse;flex-direction:row-reverse;}}
(function(e,n){function t(){var e,t,i,s=null===(e=n.vi)||void 0===e||null===(t=e.webviewEnvironment)||void 0===t?void 0:t.isPreloaded;r()||(s&&"function"==typeof(null===(i=n.NativeBridge)||void 0===i?void 0:i.getAllCookies)?n.NativeBridge.getAllCookies().then((function(e){var t=e.values.cookies,i=a(t,"nyt-purr="),o=a(t,"override-purr=");void 0!==n.config&&!r()&&("s"===o||"s"===i)&&l()})).catch((function(e){console.log(e)})):o()&&l())}var i=new URLSearchParams(n.location.search),a=function(e,n){return(e.split(";").find((function(e){return e.includes(n)}))||"").replace(n,"").trim().charAt(16)},o=function(){var e=n.document.cookie,t=i.get("fides-override"),o=a(e,"nyt-purr=");return"s"===a(e,"override-purr=")||"s"===o||"true"===t},r=function(){return null!==n.document.getElementById("nyt-fides")},l=function(){var t=document.createElement("script");t.id="nyt-fides",t.src=e,n.document.head.appendChild(t)};t(),n.addEventListener("initWebview:ios",t),n.fidesUtils={isFidesEligible:o}})('https://static01.nyt.com/vi-assets/static-assets/fides-8ff3b866ef707d7b05879c1b02bc31aa.js', window);
(function(e){function n(e){var n=e.layerType;return{event:"impression",priority:!0,module:{name:n,label:n,region:"bottom"}}}function t(n){(e.dataLayer||(e.dataLayer=[])).push(n)}function i(n){var t=e.document.getElementById("fides-banner"),i=e.document.getElementById("fides-modal"),a=e.document.getElementById("fides-embed-container"),o="true"===(null==i?void 0:i.getAttribute("aria-hidden"));if(a)return"cmp_layer_2";if(null!==n){if(!t||!i)return"";if(t.contains(n))return"cmp_layer_1";if(i.contains(n))return"cmp_layer_2"}return o?"cmp_layer_1":"cmp_layer_2"}function a(n){var t=new CustomEvent("NYTFidesUpdated",{detail:n});e.dispatchEvent(t)}var o;!0===(null===(o=e.fidesUtils)||void 0===o?void 0:o.isFidesEligible())&&(e.addEventListener("FidesUIShown",(function(e){var i,a=(null==e||null===(i=e.detail)||void 0===i?void 0:i.extraDetails).servingComponent;"tcf_banner"===(void 0===a?"":a)&&t(n({layerType:"cmp_layer_1"}))})),e.addEventListener("click",(function(e){var n=e.target,o="button"===n.type,r="a"===n.nodeName.toLowerCase();if(o||r){var l=function(e){return{"accept all":"accept_all","reject all":"reject_all","manage preferences":"manage_prefs","cookie policy":"cookie_policy","privacy policy":"privacy_policy",purposes:"purposes",features:"features",vendors:"vendors",save:"save"}[e.textContent.toLowerCase()]||""}(n),s=i(n);if(l)t(function(e){var n=e.actionType,t=void 0===n?"":n,i=e.layerType,a=void 0===i?"":i;return{event:"moduleInteraction",eventData:{trigger:"module",type:"click"},module:{name:a,label:a,element:{name:t,label:t}}}}({actionType:l,layerType:s})),a(function(e){var n=e.actionType,t=void 0===n?"":n,i=e.layerType,a=void 0===i?"":i;return{subject:"interaction",data:{name:a,label:a,element:{name:t,label:t}}}}({actionType:l,layerType:s})),e.stopPropagation()}})),e.addEventListener("beforeunload",(function(){var e=i(null);t(n({layerType:"".concat(e,"_exit")}))})))})(window);
// 37.582kB
window.viHeadScriptSize = 37.582;
window.NYTD = {};
window.vi = window.vi || {};
window.vi.pageType = { type: '', edge: 'vi-story'};
(function () { var userAgent=window.navigator.userAgent||window.navigator.vendor||window.opera||"",inNewsreaderApp=userAgent.includes("nytios")||userAgent.includes("nyt_android"),inXWordsApp=userAgent.includes("nyt_xwords_ios")||userAgent.includes("Crosswords"),inAndroid=userAgent.includes("nyt_android")||userAgent.includes("Crosswords"),iniOS=userAgent.includes("nytios")||userAgent.includes("nyt_xwords_ios"),isInWebviewByUserAgent=(inAndroid||iniOS)&&(inNewsreaderApp||inXWordsApp);function appType(){return inNewsreaderApp?"newsreader":inXWordsApp?"crosswords":""}function deviceType(){return inAndroid?"ANDROID":iniOS?"IOS":""}var _f=function(e){window.vi.webviewEnvironment={appType:appType(),deviceType:deviceType(),isInWebview:e.webviewEnvironment.isInWebview||isInWebviewByUserAgent,isPreloaded:e.webviewEnvironment.isPreloaded}};;_f.apply(null, [{"gqlUrlClient":"https://samizdat-graphql.nytimes.com/graphql/v2","gqlRequestHeaders":{"nyt-app-type":"project-vi","nyt-app-version":"0.0.5","nyt-token":"MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAs+/oUCTBmD/cLdmcecrnBMHiU/pxQCn2DDyaPKUOXxi4p0uUSZQzsuq1pJ1m5z1i0YGPd1U1OeGHAChWtqoxC7bFMCXcwnE1oyui9G1uobgpm1GdhtwkR7ta7akVTcsF8zxiXx7DNXIPd2nIJFH83rmkZueKrC4JVaNzjvD+Z03piLn5bHWU6+w+rA+kyJtGgZNTXKyPh6EC6o5N+rknNMG5+CdTq35p8f99WjFawSvYgP9V64kgckbTbtdJ6YhVP58TnuYgr12urtwnIqWP9KSJ1e5vmgf3tunMqWNm6+AnsqNj8mCLdCuc5cEB74CwUeQcP2HQQmbCddBy2y0mEwIDAQAB"},"gqlFetchTimeout":1500,"disablePersistedQueries":false,"initialDeviceType":"desktop","fastlyAbraConfig":{".ver":"24771.000","AMS_FrictionCircumventionDesktop_cwv":"2_low-mid-truncation","AMS_FrictionCircumventionMobile_cwv":"2_low-mid-truncation","DFP_MediaNet_0123":"0_Control","HOME_cwv_chartbeat":"1_Headlines"},"fastlyEntitlements":[],"internalPreviewConfig":{},"webviewEnvironment":{"isInWebview":false,"isPreloaded":false},"isOptimisticallyTruncated":true,"optimisticTruncationDropzone":6,"requestPath":"/2025/04/29/business/student-loans-collections.html","isProvisionallyLoggedIn":false,"routeName":"vi-story","serviceWorkerFile":"service-worker-test-1745876388782.js","preloadedServiceWorkerFile":"/vi-assets/static-assets/preloaded-service-worker-369ad5d970f69b76c9d97fe89080572e.js"}]); })();;(function () { var _f=function(i,w){window.vi=window.vi||{},window.vi.env=Object.freeze(i),window.hybrid=w};;_f.apply(null, [{"JKIDD_PATH":"https://a.nytimes.com/svc/nyt/data-layer","ET2_URL":"https://a.et.nytimes.com","ALS_URL":"https://als-svc.nytimes.com","WEDDINGS_PATH":"https://content.api.nytimes.com","GDPR_PATH":"https://us-central1-nyt-dsra-prd.cloudfunctions.net/datagov-dsr-formhandler","RECAPTCHA_SITEKEY":"6LevSGcUAAAAAF-7fVZF05VTRiXvBDAY4vBSPaTF","ABRA_ET_URL":"//et.nytimes.com","NODE_ENV":"production","EXPERIMENTAL_ROUTE_PREFIX":"","ENVIRONMENT":"prd","RELEASE":"e6a227d20d5382dbf5501c09bf8b37b3de01b0ae","RELEASE_TAG":"","AUTH_HOST":"https://myaccount.nytimes.com","METER_HOST":"https://meter-svc.nytimes.com","MESSAGING_LANDING_PAGE_HOST":"https://www.nytimes.com","CAPI_HOST":"https://mwcm.nytimes.com","SWG_PUBLICATION_ID":"nytimes.com","GQL_FETCH_TIMEOUT":"1500","GOOGLE_CLIENT_ID":"1005640118348-amh5tgkq641oru4fbhr3psm3gt2tcc94.apps.googleusercontent.com","STORY_SURROGATE_CONTROL":"max-age=300, stale-if-error=259200, stale-while-revalidate=259200","ONBOARDING_API_KEY":"","PURR_ENV":"prd"},false]); })();;(function () { var _f=function(){var e=window;e.initWebview=function(e){var t=document.documentElement;if(e.OS){var i=e.OS.toUpperCase();t.classList.add(i)}if(e.BaseFontSize&&(t.dataset.baseFontSize=e.BaseFontSize),e.trackingSensitive&&(t.dataset.trackingSensitive=!0),e.hasOptedOutOfTracking&&(t.dataset.hasOptedOutOfTracking=!0),e.PurrDirectives){var a=e.PurrDirectives.PURR_AdConfiguration_v3||e.PurrDirectives.PURR_AdConfiguration_v2;a&&(t.dataset.optedOutOfAds=["adluce","adluce-socrates"].includes(a))}e.OS&&"IOS"===e.OS.toUpperCase()&&window.dispatchEvent(new CustomEvent("initWebview:ios",{detail:e}))};var t=e.navigator.userAgent.toLowerCase();/iphone|ipod|ipad/.test(t)||void 0===e.config||e.initWebview(e.config)};;_f.apply(null, []); })();;
(()=>{var Q=1e3,b="pageViewID",Y="getPageViewID",h="contextID",Z="getContextID",ee="NativeBridge unavailable.";async function X(e){if(!T())return Promise.reject("not in webview");try{await U();let t={};return await Promise.all([L(b,Y,e),L(h,Z,e)]).then(o=>{o.forEach(a=>{a.name==b?t[b]=a.id:t[h]=a.id})}),Promise.resolve(t)}catch(t){return Promise.reject(t)}}function T(){if(window?.vi?.webviewEnvironment!==void 0)return window.vi.webviewEnvironment.isInWebview&&window.vi.webviewEnvironment.deviceType=="IOS";if(window?.navigator?.userAgent!==void 0){for(var e=["nytios"],t=0;t{let _=a.values[e];return te(e,o),Promise.resolve({name:e,id:_})})}async function U(e=0){return window.NativeBridge?Promise.resolve():e>=Q?Promise.reject(ee):new Promise((t,o)=>{setTimeout(function(){return U(e+1).then(t).catch(o)},10)})}function z(e){return!!(Object.keys(e).length==2&&e.hasOwnProperty("gtm")&&e.hasOwnProperty("activeTime")||e.hasOwnProperty("eventData")&&Object.keys(e.eventData).length==2&&e.eventData.hasOwnProperty("gtm")&&e.eventData.hasOwnProperty("activeTime"))}function D(){var e,t,o=window.crypto||window.msCrypto;if(o)t=o.getRandomValues(new Uint8Array(18));else for(t=[];t.length=24&&t.ctx_id_override.length>=24)o=t.pv_id_override,a=t.ctx_id_override;else try{console.warn("override id(s) must be >= 24 chars long")}catch{}return{pv_id:o,ctx_id:a,intra:_,store_last_response:l,force_xhr:c,use_webview_dedup_logic:g}}function $(e,t,o,a,_,c,l,g){if(!a&&(l==="beacon"||g&&o)){var f=window.navigator.sendBeacon(e,t);return _&&(last_send_response=f),f}else{var s=typeof XMLHttpRequesttypeof r[0]=="string"&&r[0]==="init");""+i.toString(),i>-1&&x(n[i])}""+E;for(let i=E;i=1?d:c},e.nyt_et.get_context_id=function(){return p.use_webview_dedup_logic&&u&&l>=1?m:_},e.nyt_et.get_host=function(){return o},e.nyt_et.is_running_in_webview=function(){return u},e.nyt_et.get_native_pageview_id=function(){return d},e.nyt_et.get_native_context_id=function(){return m},e.nyt_et.get_buffer_len=function(){f.length},e.nyt_et.get_buffer=function(){return f},e.nyt_et.call_is_running_in_webview=function(){return T()},e.nyt_et.get_last_send_response=function(){var n=P;return n&&(P=null),n},e.nyt_et.get_num_blocked_heartbeats=function(){return S},e.nyt_et.reset_blocked_heartbeat_counts=function(){S=0},u&&X(K).then(n=>{m=n[h],d=n[b],M()}).catch(console.error).finally(console.log)})(window,"v1.4.0");})();
;(function c(e){var n,t=(null===(n=e=e||("undefined"!=typeof window?window:void 0))||void 0===n?void 0:n.UnifiedTracking)||{};return t.context="web",e?(e.UnifiedTracking=t,t.sendAnalytic=function(n,t){return e.dataLayer=e.dataLayer||[],Array.isArray(e.dataLayer)&&(t.event=t.event||n,e.dataLayer.push(t)),Promise.resolve({success:!0})},t):t})(window);!function(r){var n,t;r=r||self,n=r.Abra,(t=r.Abra=function(){"use strict";var r=Array.isArray,n=function(r,n,t){var e=r(t,n),u=e[0],o=e[1];if(null==u||""===u)return n;for(var i=String(u).split("."),a=0;a0&&void 0!==arguments[0]?arguments[0]:{}).mnjs,t=new URL("https://warp.media.net/js/tags/clientag.js");return t.search=new URLSearchParams(S(S(S(S({},ee(n)),ne(n)),te(e)),ie(n))),t.toString()},ee=function(){var e=(arguments.length>0&&void 0!==arguments[0]?arguments[0]:{}).customerId;return e?{cid:e}:{}},ne=function(){var e=(arguments.length>0&&void 0!==arguments[0]?arguments[0]:{}).domain;return e?{dm:e}:{}},te=function(){var e=(arguments.length>0&&void 0!==arguments[0]?arguments[0]:{}).section;return e?{ysection:encodeURIComponent(e)}:{}},ie=function(){var e=(arguments.length>0&&void 0!==arguments[0]?arguments[0]:{}).version;return e?{version:e}:{}};var oe=function(e,n){return"nyt_".concat(e,"_").concat(n)};function re(e,n,t){var i=arguments.length>3&&void 0!==arguments[3]?arguments[3]:{},o=i.sizeConfig,r=i.positionsToFilter,a=void 0===r?[]:r,d=Q(n),c=x[d].size?d:"default";return x[d].pos.reduce((function(n,i,r){var s;if(a.includes(i))return n;var u=window.matchMedia("(min-width: 970px)").matches?"large":window.matchMedia("(min-width: 728px)").matches?"medium":"small",l=x[d].id[r],p=S(S({},x[c].size),null==o||null===(s=o[l])||void 0===s?void 0:s.size)[u],m=V(l,t),f=S(S(S({divId:l},t&&{adUnitPath:t}),{},{sizes:p},m),e&&{invCode:oe(e,i)});return n.push(f),n}),[])}var ae=function(n){var t=e();return!!t&&(t.events.subscribe({name:R,scope:"all",callback:function(e){var i=e.id;n.forEach((function(e){var n=e.divId,o=e.targeting;n===i&&t.updateAdReq(o,n)}))}}),!0)},de=["invCode"],ce=function(e,n,t,i,o){var r=re(n,t,i,o);e.pub=e.pub||{},e.pub.getInventoryCode=function(e){var n=e.divId,t=e.adUnitPath,i=r.find((function(e){return e.divId===n&&e.adUnitPath===t}));return i&&i.invCode?i.invCode:""};var a=r.map((function(e){return e.invCode,function(e,n){if(null==e)return{};var t,i,o=function(e,n){if(null==e)return{};var t={};for(var i in e)if({}.hasOwnProperty.call(e,i)){if(n.includes(i))continue;t[i]=e[i]}return t}(e,n);if(Object.getOwnPropertySymbols){var r=Object.getOwnPropertySymbols(e);for(i=0;i0&&void 0!==arguments[0]?arguments[0]:window;return e.mnjs=e.mnjs||{},e.mnjs.que=e.mnjs.que||[],e.mnjs}();if(!o)return console.log("Unable to load MediaNet"),!1;ce(o,e,n,t,i)}},ue=function(){e().cmd.push((function(){var n="".concat("MP"," failed to load");e().events.publish({name:g,value:{type:"MP",message:n}})}))},le=function(e,n,t,i){return!!window&&(window.mnjs=window.mnjs||{customerId:"8CU26C87G",domain:window&&window.location&&window.location.hostname,version:"1",isAdServerLoaded:!0,limitedAds:!1},!window.mnjs.loaded&&(s($(window,{section:e}),se(e,n,t,i),ue),!0))},pe=function(){try{var e=((i=document.createElement("div")).innerHTML=" ",i.className="ad adsbox pub_300x250 pub_300x250m pub_728x90 text-ad textAd text_ad ad-server",i.style="width: 1px !important; height: 1px !important; position: absolute !important; left: -10000px !important; top: -1000px !important;",document.body.prepend(i),document.getElementsByClassName("ad adsbox")[0]),n=!(!(t=e)||0!==t.offsetHeight&&0!==t.clientHeight)||function(e){if(void 0!==window.getComputedStyle){var n=window.getComputedStyle(e,null);if(n&&("none"===n.getPropertyValue("display")||"hidden"===n.getPropertyValue("visibility")))return!0}return!1}(e);return function(e){document.body.removeChild(e)}(e),n}catch(e){console.error("ad class check failed",e)}var t,i;return!1},me=function(){return!(window&&window.AdSlot&&window.AdSlot.AdSlotReady)||(!(window&&window.googletag&&window.googletag.apiReady)||pe())},fe=function(){var e=window&&window.nyt_et&&window.nyt_et.get_host&&window.nyt_et.get_host();return e?fetch("".concat(e,"/.status"),{credentials:"include",headers:{accept:"*/*","content-type":"text/plain;charset=UTF-8"},mode:"no-cors"}).then((function(){return{success:!0}})).catch((function(e){return console.error("et track blocked",e),{success:!1}})):Promise.resolve({success:!1})};var ve,we,ge=function(e,n,t){var i=function(e){if(!document||!document.cookie||!document.cookie.match)return"";var n=document.cookie.match(new RegExp("".concat(e,"=([^;]+)")));return n?n[1]:""}("nyt-a")||null,o=!!(window&&window.matchMedia&&window.matchMedia("(max-width: 739px)").matches);return"".concat("https://a-reporting.nytimes.com/report.jpg","?mobile=").concat(o,"&block=").concat(t,"&aid=").concat(i,"&pvid=").concat(e,"&et=").concat(n)},be=function(e,n,t){return!!(window&&window.NYTD&&window.NYTD.Abra&&"1_network_detection"===window.NYTD.Abra("DFP_blockDetect_0221"))&&((new Image).src=ge(e,n,t),!0)},he=function(n,t){t&&e().cmd.push((function(){var n=e();n.events&&n.events.publish({name:y,value:{type:P}})}));var i=!1;return fe().then((function(){i=(arguments.length>0&&void 0!==arguments[0]?arguments[0]:{success:!1}).success})).catch((function(){})).finally((function(){be(n,i,t)}))},_e=function(e){window.addEventListener("load",function(e){return function(){he(e,me())}}(e))},ye=function(){var e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};if(ve)return!1;var n,t,i=e.loadAmazon,o=void 0===i||i,r=e.loadPrebid,a=void 0===r||r,d=e.loadMediaNet,u=void 0!==d&&d,l=e.setFastFetch,p=void 0!==l&&l,f=e.loadGeoEdge,v=void 0===f||f,g=e.section,h=void 0===g?"none":g,_=e.adUnitPath,y=void 0===_?"":_,P=e.pageViewId,R=void 0===P?"":P,U=e.pageType,I=void 0===U?"":U,A=e.prebidOverrides,O=void 0===A?{}:A,k=e.amazonOverrides,C=void 0===k?{}:k;if(n=document.referrer||"",(t=/([a-zA-Z0-9_\-.]+)(@|%40)([a-zA-Z0-9_\-.]+).([a-zA-Z]{2,5})/).test(n)||t.test(window.location.href))return!1;if(c()){var S=new RegExp(/art/).test(I)?"art":I;v&&m(),u&&le(h,S,y,O),o&&function(e,n,t,i){!window.apstag&&(s("//c.amazon-adsystem.com/aax2/apstag.js",w,b),j(e,n,t,i))}(p,h,S,C),a&&X(h,S,y,O)}return _e(R),ve=!0,!0};return(we=e()).loadScripts=we.loadScripts||ye,window.AdSlot4=we,we}();
(function () { var _f=function(e={}){const i=window&&window.AdSlot4,t=!!window.adClientUtils.getAbraVar("DFP_Prebid_Web_Toggle_0924"),n=!!window.adClientUtils.getAbraVar("DFP_Amzn_Web_Toggle_0924"),o=!!window.adClientUtils.getAbraVar("DFP_MediaNet_Web_Toggle_0125"),a=window.adClientUtils.getAbraVar("DFP_Prebid_0624"),d=window.vi&&window.vi.webviewEnvironment||{},r=d&&"IOS"===d.deviceType&&d.isInWebview;function w(){const e=window.matchMedia("(max-width: 739px)");return e&&e.matches}try{const{adToggleMap:d,pageType:s,prebidOverrides:c,adSizesMapping:l,section:p,adUnitPath:g,isSectionThirdPartyEligible:u,setFastFetch:b,headerBidding:m={}}=e,h=function(e,i){const t=window.matchMedia("(min-width: 741px)").matches?"large":window.matchMedia("(min-width: 601px)").matches?"medium":"small";return{pageName:e,fastFetchSlots:function(e,i){return"art"!==i&&"hp"!==i?["top"]:"art"===i?"small"===e?["mobile_top"]:["top"]:"small"===e?[]:["dfp-ad-top"]}(t,e).map(e=>({id:e,sizes:i[e][t]}))}}(s,l),{isInPreloadedWebview:P,usePrebid:v,useMediaNet:_,requestPath:y}=m,A=Object.keys(d).reduce((e,i)=>{const t=d[i]||"";return e[i]=function(e){return!!(window&&window.adClientUtils&&window.adClientUtils.hasActiveToggle)&&window.adClientUtils.hasActiveToggle(e)}(t),e},{}),{amazon:S,geoedge:T}=A,f=c&&c.positionsToFilter||[],x=w()?f.concat(["top"]):f,E=["appnexus","medianet","rubicon","openx","triplelift","ix","pubmatic"];a&&window.adClientUtils.reportExposure("DFP_Prebid_0624"),"1_Criteo"===a&&E.push("criteo");const F=()=>!1,U=e=>e?!P||"/2024/06/21/travel/travel-europe-south-america-acts-of-kindness.html"===y||F():e;if("function"==typeof i.loadScripts){const e=U(S&&!n&&u);i.loadScripts({loadAmazon:e,loadPrebid:v&&u&&!t&&!r,loadMediaNet:_&&u&&!o,setFastFetch:"art"===s?b:!w()&&b,section:p,adUnitPath:g,prebidOverrides:{...c,positionsToFilter:x,activeBidders:E},amazonOverrides:h,pageType:s,pageViewId:window&&window.NYTD&&window.NYTD.PageViewId&&window.NYTD.PageViewId.current?window.NYTD.PageViewId.current:"",loadGeoEdge:T})}if(t&&window.Sentry&&window.Sentry.captureException){const e=new Error("Ads are disabled via Abra toggle - Prebid");window.Sentry.captureException(e)}if(n&&window.Sentry&&window.Sentry.captureException){const e=new Error("Ads are disabled via Abra toggle - Amazon");window.Sentry.captureException(e)}if(o&&window.Sentry&&window.Sentry.captureException){const e=new Error("Ads are disabled via Abra toggle - MediaNet");window.Sentry.captureException(e)}}catch(e){console.error(e)}};;_f.apply(null, [{"adToggleMap":{"amazon":"amazon_story_toggle","medianet":"medianet_story_toggle","dfp":"dfp_story_toggle","geoedge":"geoedge_toggle"},"pageType":"art","section":"business","adUnitPath":"/29390238/nyt/business","isSectionThirdPartyEligible":true,"setFastFetch":true,"prebidOverrides":{},"adSizesMapping":{"mobile_top":{"medium":[[300,50],[320,50]],"small":[[300,50],[320,50]]},"top":{"large":[[728,90],[970,90],[970,250]],"medium":[[728,90],[300,250]],"small":[[300,250]]},"dfp-ad-top":{"large":[[728,90],[970,90],[970,250]],"medium":[[728,90],[300,250]],"small":[[300,250]]}},"headerBidding":{"isInPreloadedWebview":false,"requestPath":"/2025/04/29/business/student-loans-collections.html","useAmazon":true,"usePrebid":true,"useMediaNet":false}}]); })();
(function () { var _f=function(t={},e={},n=""){window.AdSlot4=window.AdSlot4||{},window.AdSlot4.cmd=window.AdSlot4.cmd||[],window.AdSlot4.clientRequirements={mergeObjects:function(t,...e){return e.reduce(function(t,e){return Object.entries(e).reduce(function(t,[e,n]){return t[e]&&null==n?t:Object.assign({},t,{[e]:n})},t)},t)},isFunction:function(t){return"[object Function]"===Object.prototype.toString.call(t)},getWebviewEnv:function(){return window.vi&&window.vi.webviewEnvironment||{}},getAbraVariant:function(t){if(!(window.NYTD&&window.NYTD.Abra&&window.NYTD.Abra.getAbraSync&&this.isFunction(window.NYTD.Abra.getAbraSync)))return void console.warn("Abra does not exist or is not a function");const e=window.config&&window.config.AbraConfig[t],n=window.NYTD.Abra.getAbraSync(t);return e||n&&n.variant},shouldHaltDFP:function(t){return"1_block"===this.getAbraVariant(t)},isAdsDisabled:function(t={}){const{adTargeting:{section:e}={},adsDisabled:n,adUnitPath:i=""}=t,o=i&&i.toLowerCase&&i.toLowerCase().includes("tragedy"),r=!!this.getAbraVariant("DFP_GPT_Web_Toggle_0924");if(r&&window.Sentry&&window.Sentry.captureException){const t=new Error("Ads are disabled via Abra toggle");window.Sentry.captureException(t)}return n||"learning"===e||o||r},getSov:function(t={}){return t.sov=t.sov||(Math.floor(4*Math.random())+1).toString(),{sov:t.sov}},getPageViewId:function(t){return{page_view_id:t&&t.current}},getUserData:function(t="{}"){try{const e=JSON.parse(t).data;return e&&e.user}catch(t){console.warn("userinfo data unavailable")}},getEm:function(t){return t&&t.length?{em:t.toString().toLowerCase()}:{}},getWat:function(t){return t?{wat:t.toLowerCase()}:{}},getDemographics:function(t){return this.mergeObjects(this.getEm(t&&t.emailSubscriptions),this.getWat(t&&t.wat))},isValidDfpTest:function(t){return t.toLowerCase().indexOf("dfp")>-1},joinArgumentsForVariant:function(){if(arguments.length)return[].slice.call(arguments).join("_").toLowerCase()},reduceAbraConfigKeysToDfpVariants:function(t=[],e=""){const n=this.getAbraVariant(e),i=this.joinArgumentsForVariant(e,n);return n&&i?t.concat(i):t},reduceFastlyAbraToDfpVariants:function(t=[],[e,n]=[]){const i=this.isValidDfpTest(e)&&n&&this.joinArgumentsForVariant(e,n);return i?t.concat(i):t},getDFPTestNames:function(t={}){if(!t)return[];const e=this.isValidDfpTest;return Object.keys(t).filter(function(t){return e(t)})},getAbraDfpVariants:function(t={},e={}){let n=[],i=[];if(Object.keys(e).length&&(i=Object.entries(e).reduce(this.reduceFastlyAbraToDfpVariants,[])),t.config&&t.getAbraSync){n=this.getDFPTestNames(t.config).reduce(this.reduceAbraConfigKeysToDfpVariants,[])}return{abra_dfp:[...n,...i]}},isMobile:function(t){const e=t.matchMedia("(max-width: 739px)");return e&&e.matches},isManualRefresh:function(t={}){return!(!t.navigation||1!==t.navigation.type)},getAltLangFromPathname:function(t=""){return 0===t.indexOf("/es/")?"es":""},getAdTargetingProperty:function(t=!1,e=""){let n=t?"m":"";return{prop:(n+=e)+"nyt"}},getAdTargetingPlatform:function(t=!1){return{plat:(t?"m":"")+"web"}},getAdTargetingEdition:function(t=""){return t.length?{edn:t}:{}},getAdTargetingVersion:function(t=!1){return{ver:(t?"m":"")+"vi"}},getNYTA:function(){var t=window.document.cookie.split(";").find(t=>t.includes("nyt-a"))||null;return t&&t.split("=").pop()||null},getHash53:function(t,e){let n=3735928559^e,i=1103547991^e;for(let e,o=0;o>>16,2246822507),n^=Math.imul(i^i>>>13,3266489909),i=Math.imul(i^i>>>16,2246822507),4294967296*(2097151&(i^=Math.imul(n^n>>>13,3266489909)))+(n>>>0)},getHashNYTA:function(){var t=this.getNYTA();if(!t)return;let e=this.getHash53(t,64).toString();return e.lengthe.includes(o)))[0].split("=")[1],e=atob(decodeURIComponent(e)),t=JSON.parse(e).envelope}catch(e){console.warn("Error parsing targeting from cookie.",e)}return t}();c.length>0&&function(e){window.googletag=window.googletag||{cmd:[]},googletag.cmd.push(()=>{googletag.pubads().setTargeting(n,e)})}(c)}};;_f.apply(null, []); })();
(function() {
/** CONFIGURATION START **/
var _sf_async_config = window._sf_async_config = (window._sf_async_config || {});
_sf_async_config.uid = 16698;
_sf_async_config.domain = 'nytimes.com';
_sf_async_config.flickerControl = false;
_sf_async_config.useCanonical = true;
_sf_async_config.ignoreQueryParamsEHT = true;
window._cbm = (window._cbm || []);
window._cbm.push(['readyForTesting', false]);
_sf_async_config.moduleAttribute = 'data-cb-abtest';
/** CONFIGURATION END **/
})();
Business|Student Debt Collections Restart on May 5. Here’s What to Know.https://www.nytimes.com/2025/04/29/business/student-loans-collections.htmlShare full articleYou have a preview view of this article while we are checking your access. When we have confirmed access, the full article content will load.Credit...Monica GarwoodSkip to contentSkip to site indexStudent Debt Collections Restart on May 5. Here’s What to Know.More than five million borrowers are in default, and millions of others are projected to be on the precipice.Credit...Monica GarwoodSupported bySKIP ADVERTISEMENTListen to this article · 12:46 min Learn moreShare full articleBy Tara Siegel BernardApril 29, 2025After a five-year reprieve, the Trump administration will restart forced collections on federal student loans in default, which could include garnishing a portion of borrowers’ paychecks.With collections in place, the last piece of the student loan machinery has been turned back on, officially ending pandemic-era relief, which began when President Trump paused federal student loan payments in March 2020.The Biden administration extended the freeze several times, and payments resumed only in October 2023. But the rules were relaxed for the first year of repayment, and borrowers weren’t penalized for slipping behind until last fall.Now that those penalties have begun to appear, borrowers who fell behind are beginning to see their credit scores plunge, including more than five million borrowers in default and many millions more projected to be on the precipice.At the same time, the Biden-era repayment program known as SAVE — which ties a borrower’s loan payments to income and household size — has been frozen since August, with its eight million enrollees’ payments on hold. That plan is stuck in legal limbo, an evolving situation that threatens to upend the income-driven repayment plans that came before it.Here’s where things stand for borrowers.Where can I learn more about my loan status?If you log in to your account on the federal website, StudentAid.gov, you’ll find your dashboard with details on how much you owe and the status of your loans — whether they are in repayment, for example, or default. If it’s the latter, you may also see a warning at the top.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe.AdvertisementSKIP ADVERTISEMENTSite IndexSite Information Navigation© 2025 The New York Times CompanyNYTCoContact UsAccessibilityWork with usAdvertiseT Brand StudioYour Ad ChoicesPrivacy PolicyTerms of ServiceTerms of SaleSite MapCanadaInternationalHelpSubscriptionsManage Privacy Preferences
window.__preloadedData = {"initialData":{"data":{"article":{"__typename":"Article","adTargetingParams":[{"__typename":"AdTargetingParam","key":"is_viral_on_social","value":"false"},{"__typename":"AdTargetingParam","key":"bsc","value":"74222379,74222380,74222375,74222374,74042110,87012038,84051001,84211001,84132003,84212001,74071142,74071140,84132010,84131001,84031001,84111001,84052001,84112001,74101166,74242396,74041059,74041060,74102171,74241393,74041087,74221376,74221371,74041097,74222356,74222353,74221354,74221352,84032001"},{"__typename":"AdTargetingParam","key":"at","value":"48,55,69"},{"__typename":"AdTargetingParam","key":"geo","value":""},{"__typename":"AdTargetingParam","key":"des","value":"personalfinances,studentloans,collectorsandcollections,creditscores"},{"__typename":"AdTargetingParam","key":"auth","value":"tarasiegelbernard"},{"__typename":"AdTargetingParam","key":"si_section","value":"business"},{"__typename":"AdTargetingParam","key":"trend","value":""},{"__typename":"AdTargetingParam","key":"is_viral","value":""},{"__typename":"AdTargetingParam","key":"pt","value":"nt10,nt12,nt13,nt16,nt17,nt19,nt2,nt20,nt4,nt6,nt7,pt18"},{"__typename":"AdTargetingParam","key":"prop","value":"nyt"},{"__typename":"AdTargetingParam","key":"plat","value":"web"},{"__typename":"AdTargetingParam","key":"per","value":"trumpdonaldj"},{"__typename":"AdTargetingParam","key":"ledemedsz","value":"none"},{"__typename":"AdTargetingParam","key":"mt","value":""},{"__typename":"AdTargetingParam","key":"abs","value":"51007257,51006174,51000868,51006033,51004094,51002906,51002716,51004900,51002721,51007151,51007286,51007049,51004814,51005902,51007071,51001538,51004619,51000147,51004843,51002555,51000181,51006965,51004788,51004663,51005641,51006821,51006813,51006834,51007625,51005445,51005893,51006636,51007655,51004276,51004240,51005021"},{"__typename":"AdTargetingParam","key":"edn","value":"us"},{"__typename":"AdTargetingParam","key":"section","value":"business"},{"__typename":"AdTargetingParam","key":"id","value":"100000010128454"},{"__typename":"AdTargetingParam","key":"tt","value":"41"},{"__typename":"AdTargetingParam","key":"col","value":""},{"__typename":"AdTargetingParam","key":"coll","value":"yourmoney,business"},{"__typename":"AdTargetingParam","key":"gui","value":""},{"__typename":"AdTargetingParam","key":"gscat","value":"gs_t"},{"__typename":"AdTargetingParam","key":"spon","value":""},{"__typename":"AdTargetingParam","key":"template","value":"article"},{"__typename":"AdTargetingParam","key":"typ","value":"art"},{"__typename":"AdTargetingParam","key":"slug","value":"Collections"},{"__typename":"AdTargetingParam","key":"als_test","value":"1745929995697"},{"__typename":"AdTargetingParam","key":"brandsensitive","value":"false"},{"__typename":"AdTargetingParam","key":"org","value":"educationdepartmentus"},{"__typename":"AdTargetingParam","key":"artlen","value":"long"},{"__typename":"AdTargetingParam","key":"typ_materials","value":"#news#"}],"addendums":[],"advertisingProperties":{"__typename":"CreativeWorkAdvertisingProperties","sensitivity":"SHOW_ADS"},"archiveProperties":{"__typename":"ArticleArchiveProperties","lede":"","thumbnails":[],"timesMachineUrl":""},"associatedAssets":[],"associatedNewsletter":null,"bylines":[{"__typename":"Byline","creatorSnapshots":[{"__typename":"PersonSnapshot","uri":"nyt:\u002F\u002Fperson\u002Fd96604a1-3de2-5bfe-90f7-3498c1721073"}],"creators":[{"__typename":"Person","bioUrl":"https:\u002F\u002Fwww.nytimes.com\u002Fby\u002Ftara-siegel-bernard","contactDetails":{"__typename":"ContactDetails","socialMedia":[{"__typename":"ContactDetailsSocialMedia","account":"https:\u002F\u002Fwww.nytimes.com\u002Fby\u002Ftara-siegel-bernard","type":"url"},{"__typename":"ContactDetailsSocialMedia","account":"tarasbernard","type":"twitter"}]},"displayName":"Tara Siegel Bernard","id":"UGVyc29uOm55dDovL3BlcnNvbi9kOTY2MDRhMS0zZGUyLTViZmUtOTBmNy0zNDk4YzE3MjEwNzM=","legacyData":{"__typename":"PersonLegacyData","htmlShortBiography":"\u003Cp\u003ETara Siegel Bernard writes about personal finance for The Times, from saving for college to paying for retirement and everything in between.\u003C\u002Fp\u003E"},"url":"https:\u002F\u002Fwww.nytimes.com\u002Fby\u002Ftara-siegel-bernard"}],"renderedRepresentation":"By Tara Siegel Bernard"}],"collections":[{"__typename":"LegacyCollection","active":true,"collectionType":"SECTION","firstPublished":"2017-02-16T17:15:23.000Z","header":"","headline":{"__typename":"CreativeWorkHeadline","default":""},"id":"TGVnYWN5Q29sbGVjdGlvbjpueXQ6Ly9sZWdhY3ljb2xsZWN0aW9uL2RjY2MwOWMxLTk0NTAtNTNhYi1iZGU4LWU4ZmJhNDQ0NDVhNg==","lastModified":"2025-04-28T06:01:38.791Z","mobileHeader":"","name":"Your Money","promotionalImage":null,"slug":"your-money","tagline":"","type":"legacycollection","uri":"nyt:\u002F\u002Flegacycollection\u002Fdccc09c1-9450-53ab-bde8-e8fba44445a6","url":"https:\u002F\u002Fwww.nytimes.com\u002Fsection\u002Fyour-money"},{"__typename":"LegacyCollection","active":true,"collectionType":"SECTION","firstPublished":"2017-04-21T18:47:45.000Z","header":"","headline":{"__typename":"CreativeWorkHeadline","default":""},"id":"TGVnYWN5Q29sbGVjdGlvbjpueXQ6Ly9sZWdhY3ljb2xsZWN0aW9uLzU0YzJkNTFjLTE0ZjYtNTgyMC04MzJkLTk2ODk0NmZiMzM4ZA==","lastModified":"2025-04-28T17:16:52.953Z","mobileHeader":"","name":"Business","promotionalImage":null,"slug":"business","tagline":"","type":"legacycollection","uri":"nyt:\u002F\u002Flegacycollection\u002F54c2d51c-14f6-5820-832d-968946fb338d","url":"https:\u002F\u002Fwww.nytimes.com\u002Fsection\u002Fbusiness"}],"column":null,"commentProperties":{"__typename":"CreativeWorkCommentProperties","approvedCommentsCount":null,"prompt":"","status":"NO_COMMENTS"},"compatibility":{"__typename":"CompatibilityFeatures","hasInlineEmbeddedInteractives":false,"hasOakConversionError":false,"hasVideo":false,"isArtReview":false,"isBookReview":false,"isDiningReview":false,"isMovieReview":false,"isOak":true,"isTheaterReview":false},"curatedAssetComments":null,"desk":"Business","dfpTaxonomyException":null,"displayProperties":{"__typename":"CreativeWorkDisplayProperties","fullBleedDisplayStyle":"","serveAsNyt4":false},"episodeProperties":{"__typename":"ArticleEpisodeProperties","episodeLabel":"","links":[],"linksLeadIn":""},"eventId":"pubp:\u002F\u002Fevent\u002Fb1d6250903644f9b91633f24e9f179f7","featuredAudio":{"__typename":"FeaturedAudio","asset":{"__typename":"Audio","audioContentType":"SYNTHETIC_NARRATION","fileUrl":"https:\u002F\u002Fstatic.nytimes.com\u002Fnarrated-articles\u002Fsynthetic\u002Farticle-40519d5d-4483-5e6a-a081-4e2ba81ff73d\u002Fjob-1745917469862\u002Farticle-40519d5d-4483-5e6a-a081-4e2ba81ff73d-job-1745917469862.mp3","headline":{"__typename":"CreativeWorkHeadline","default":"Synthetic Narration for Student Debt Collections Restart on May 5. Here’s What to Know."},"id":"QXVkaW86bnl0Oi8vYXVkaW8vMWI1ZGI3YjctNDk3ZC01MDc5LTkwMDctMzlmN2YzZjliOGNi","length":766,"sourceId":"100000010136081","uri":"nyt:\u002F\u002Faudio\u002F1b5db7b7-497d-5079-9007-39f7f3f9b8cb"},"source":"DERIVED"},"firstPublished":"2025-04-29T09:03:17.000Z","headline":{"__typename":"CreativeWorkHeadline","default":"Student Debt Collections Restart on May 5. Here’s What to Know.","seo":"Student Loan Debt Collections Restart on May 5. Here’s What to Know."},"id":"QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlLzQwNTE5ZDVkLTQ0ODMtNWU2YS1hMDgxLTRlMmJhODFmZjczZA==","kicker":"","language":{"__typename":"Language","code":"en","name":"English"},"lastMajorModification":"2025-04-29T09:03:17.000Z","lastModified":"2025-04-29T12:32:25.632Z","legacy":{"__typename":"ArticleLegacyData","htmlExtendedAuthorOrArticleInformation":"","htmlInfoBox":"","reviewInformation":""},"newsStatus":"DEFAULT","originalDesk":"Business","printInformation":{"__typename":"PrintInformation","edition":"The New York Times on the Web","headline":"","page":"","publicationDate":null,"section":""},"promotionalImage":{"__typename":"PromotionalImage","image":{"__typename":"Image","caption":{"__typename":"TextOnlyDocumentBlock","text":""},"credit":"Monica Garwood","crops":[{"__typename":"ImageCrop","name":"MEDIUM_SQUARE","renditions":[{"__typename":"ImageRendition","height":640,"url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-square640.jpg","width":640}]},{"__typename":"ImageCrop","name":"THREE_BY_TWO","renditions":[{"__typename":"ImageRendition","height":2443,"url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-threeByTwoLargeAt2X.jpg","width":3664}]}],"id":"SW1hZ2U6bnl0Oi8vaW1hZ2UvMTk1MjQyZDQtMTA3NS01N2EwLTkwMDMtODdmOThlNDY0ZmY1"},"socialMediaRendition":{"__typename":"SignableImageRendition","parentPublishDate":"2025-04-29T09:03:17.000Z","parentPublishYear":2025,"rendition":{"__typename":"ImageRendition","height":550,"name":"facebookJumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-facebookJumbo.jpg","width":1050},"signature":{"__typename":"ImageSignature","keyId":"ZQJBKqZ0VN","value":"683861bafc318b810ac87d71f18d15ddb1bf08fec4425365220d7078392fc696"}},"twitterRendition":{"__typename":"SignableImageRendition","parentPublishDate":"2025-04-29T09:03:17.000Z","parentPublishYear":2025,"rendition":{"__typename":"ImageRendition","height":1688,"name":"videoSixteenByNine3000","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-videoSixteenByNine3000.jpg","width":3000},"signature":{"__typename":"ImageSignature","keyId":"ZQJBKqZ0VN","value":"48af9ccf290337807d1b9c26eb2364f086d0c85efddeac473f66fee95b5a843b"}}},"promotionalMedia":{"__typename":"Image","assetCrops":[{"__typename":"ImageCrop","name":"MASTER","renditions":[{"__typename":"ImageRendition","height":580,"name":"articleLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-articleLarge.jpg","width":600},{"__typename":"ImageRendition","height":1979,"name":"superJumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-superJumbo.jpg","width":2048}]},{"__typename":"ImageCrop","name":"SMALL_SQUARE","renditions":[{"__typename":"ImageRendition","height":75,"name":"thumbStandard","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-thumbStandard.jpg","width":75},{"__typename":"ImageRendition","height":150,"name":"thumbLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-thumbLarge.jpg","width":150}]},{"__typename":"ImageCrop","name":"MEDIUM_SQUARE","renditions":[{"__typename":"ImageRendition","height":1800,"name":"mediumSquareAt3X","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-mediumSquareAt3X.jpg","width":1800}]},{"__typename":"ImageCrop","name":"SIXTEEN_BY_NINE","renditions":[{"__typename":"ImageRendition","height":1688,"name":"videoSixteenByNine3000","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-videoSixteenByNine3000.jpg","width":3000},{"__typename":"ImageRendition","height":900,"name":"videoSixteenByNineJumbo1600","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-videoSixteenByNineJumbo1600.jpg","width":1600}]},{"__typename":"ImageCrop","name":"FACEBOOK","renditions":[{"__typename":"ImageRendition","height":550,"name":"facebookJumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-facebookJumbo.jpg","width":1050}]},{"__typename":"ImageCrop","name":"GOOGLE_4_BY_3","renditions":[{"__typename":"ImageRendition","height":600,"name":"googleFourByThree","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-googleFourByThree.jpg","width":800}]}],"caption":{"__typename":"TextOnlyDocumentBlock","text":""},"credit":"Monica Garwood","id":"SW1hZ2U6bnl0Oi8vaW1hZ2UvMTk1MjQyZDQtMTA3NS01N2EwLTkwMDMtODdmOThlNDY0ZmY1"},"requestToCommentEnabled":true,"reviewItems":[],"reviewSummary":"","rights":{"__typename":"Rights","category":"U"},"section":{"__typename":"Section","displayName":"Business","id":"U2VjdGlvbjpueXQ6Ly9zZWN0aW9uLzA0MTViMmIwLTUxM2EtNWU3OC04MGRhLTIxYWI3NzBjYjc1Mw==","name":"business","uri":"nyt:\u002F\u002Fsection\u002F0415b2b0-513a-5e78-80da-21ab770cb753","url":"\u002Fsection\u002Fbusiness"},"slug":"29Biz-Student-Loans-Collections","source":{"__typename":"Organization","displayName":"New York Times","id":"T3JnYW5pemF0aW9uOm55dDovL29yZ2FuaXphdGlvbi9jMjc5MTM4OC02YjE2LTVmZmQtYTExOS05NmVhY2IxOTg5YzE="},"sourceId":"100000010128454","sourcePublisher":"scoop","sprinkled":{"__typename":"SprinkledContent","configs":[{"__typename":"SprinkledConfig","name":"mobile","stride":4,"threshold":3},{"__typename":"SprinkledConfig","name":"desktop","stride":7,"threshold":3},{"__typename":"SprinkledConfig","name":"mobileHoldout","stride":4,"threshold":2},{"__typename":"SprinkledConfig","name":"desktopHoldout","stride":5,"threshold":3},{"__typename":"SprinkledConfig","name":"hybrid","stride":4,"threshold":3},{"__typename":"SprinkledConfig","name":"hybridHoldout","stride":4,"threshold":3}]},"sprinkledBody":{"__typename":"DocumentBlock","content":[{"__typename":"HeaderFullBleedVerticalBlock","alignment":"RIGHT","backgroundColor":"#ffffff","byline":{"__typename":"BylineBlock","bylines":[{"__typename":"Byline","creators":[{"__typename":"Person","bioUrl":"https:\u002F\u002Fwww.nytimes.com\u002Fby\u002Ftara-siegel-bernard","displayName":"Tara Siegel Bernard","id":"UGVyc29uOm55dDovL3BlcnNvbi9kOTY2MDRhMS0zZGUyLTViZmUtOTBmNy0zNDk4YzE3MjEwNzM=","promotionalMedia":{"__typename":"Image","crops":[{"__typename":"ImageCrop","renditions":[{"__typename":"ImageRendition","name":"thumbLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2019\u002F01\u002F18\u002Fmultimedia\u002Fauthor-tara-siegel-bernard\u002Fauthor-tara-siegel-bernard-thumbLarge.png"}]}],"id":"SW1hZ2U6bnl0Oi8vaW1hZ2UvZTk1MmNlM2QtYTVlMi01N2FiLTgxZDktYzQwYWI0OTg0NWJk"}}],"prefix":"By","renderedRepresentation":"By Tara Siegel Bernard"}],"hideHeadshots":false,"role":[],"textAlign":"LEFT"},"displayOverride":"TRANSPARENT_MASTHEAD_BLACK_ICONS","fallback":{"__typename":"HeaderLegacyBlock","byline":{"__typename":"BylineBlock","bylines":[{"__typename":"Byline","creators":[{"__typename":"Person","bioUrl":"https:\u002F\u002Fwww.nytimes.com\u002Fby\u002Ftara-siegel-bernard","displayName":"Tara Siegel Bernard","id":"UGVyc29uOm55dDovL3BlcnNvbi9kOTY2MDRhMS0zZGUyLTViZmUtOTBmNy0zNDk4YzE3MjEwNzM=","promotionalMedia":{"__typename":"Image","crops":[{"__typename":"ImageCrop","renditions":[{"__typename":"ImageRendition","name":"thumbLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2019\u002F01\u002F18\u002Fmultimedia\u002Fauthor-tara-siegel-bernard\u002Fauthor-tara-siegel-bernard-thumbLarge.png"}]}],"id":"SW1hZ2U6bnl0Oi8vaW1hZ2UvZTk1MmNlM2QtYTVlMi01N2FiLTgxZDktYzQwYWI0OTg0NWJk"}}],"prefix":"By","renderedRepresentation":"By Tara Siegel Bernard"}],"hideHeadshots":false,"role":[],"textAlign":"LEFT"},"headline":{"__typename":"Heading1Block","content":[{"__typename":"TextInline","formats":[],"text":"Student Debt Collections Restart on May 5. Here’s What to Know."}],"textAlign":"LEFT"},"label":null,"ledeMedia":{"__typename":"ImageBlock","media":{"__typename":"Image","altText":"An illustration of a graduation cap that is a maze. ","caption":{"__typename":"TextOnlyDocumentBlock","content":[],"text":""},"credit":"Monica Garwood","crops":[{"__typename":"ImageCrop","renditions":[{"__typename":"ImageRendition","height":580,"name":"articleLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-articleLarge.jpg","width":600},{"__typename":"ImageRendition","height":500,"name":"popup","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-popup.jpg","width":518},{"__typename":"ImageRendition","height":989,"name":"jumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-jumbo.jpg","width":1024},{"__typename":"ImageRendition","height":1979,"name":"superJumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-superJumbo.jpg","width":2048}]},{"__typename":"ImageCrop","renditions":[{"__typename":"ImageRendition","height":150,"name":"thumbLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-thumbLarge.jpg","width":150}]},{"__typename":"ImageCrop","renditions":[{"__typename":"ImageRendition","height":184,"name":"articleInline","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-articleInline.jpg","width":190}]},{"__typename":"ImageCrop","renditions":[{"__typename":"ImageRendition","height":1837,"name":"mobileMasterAt3x","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-mobileMasterAt3x.jpg","width":1800}]}],"id":"SW1hZ2U6bnl0Oi8vaW1hZ2UvMTk1MjQyZDQtMTA3NS01N2EwLTkwMDMtODdmOThlNDY0ZmY1","imageType":"photo","legacyHtmlCaption":"","timesTags":[],"uri":"nyt:\u002F\u002Fimage\u002F195242d4-1075-57a0-9003-87f98e464ff5","url":"\u002Fimagepages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans.html"},"size":"MEDIUM"},"subhead":null,"timestampBlock":{"__typename":"TimestampBlock","align":"LEFT","showUpdatedTimestamp":null,"timestamp":"2025-04-29T09:03:17.000Z"}},"gradientEnabled":false,"headline":{"__typename":"Heading1Block","content":[{"__typename":"TextInline","formats":[],"text":"Student Debt Collections Restart on May 5. Here’s What to Know."}],"textAlign":"LEFT"},"headlineColor":"BLACK","label":null,"ledeMedia":{"__typename":"ImageBlock","media":{"__typename":"Image","altText":"An illustration of a graduation cap that is a maze. ","credit":"Monica Garwood","crops":[{"__typename":"ImageCrop","bleed":null,"renditions":[{"__typename":"ImageRendition","height":580,"name":"articleLarge","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-articleLarge.jpg","width":600},{"__typename":"ImageRendition","height":989,"name":"jumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-jumbo.jpg","width":1024},{"__typename":"ImageRendition","height":1979,"name":"superJumbo","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-superJumbo.jpg","width":2048}]},{"__typename":"ImageCrop","bleed":null,"renditions":[{"__typename":"ImageRendition","height":1837,"name":"mobileMasterAt3x","url":"https:\u002F\u002Fstatic01.nyt.com\u002Fimages\u002F2025\u002F04\u002F29\u002Fbusiness\u002F29student-loans\u002F29student-loans-mobileMasterAt3x.jpg","width":1800}]}],"id":"SW1hZ2U6bnl0Oi8vaW1hZ2UvMTk1MjQyZDQtMTA3NS01N2EwLTkwMDMtODdmOThlNDY0ZmY1","legacyHtmlCaption":"","uri":"nyt:\u002F\u002Fimage\u002F195242d4-1075-57a0-9003-87f98e464ff5"},"size":"MEDIUM"},"mobileHeadlineColor":"BLACK","summary":{"__typename":"SummaryBlock","content":[{"__typename":"TextInline","formats":[],"text":"More than five million borrowers are in default, and millions of others are projected to be on the precipice."}],"textAlign":"LEFT"},"textPosition":{"__typename":"HeaderFullBleedTextPosition","desktop":"DESKTOP_CENTER_CENTER","mobile":"MOBILE_BELOW_LEDE"},"timestampBlock":{"__typename":"TimestampBlock","align":"LEFT","showUpdatedTimestamp":null,"timestamp":"2025-04-29T09:03:17.000Z"}},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"After a five-year reprieve, the Trump administration will restart forced collections on federal student loans in default, which could include garnishing a portion of borrowers’ paychecks."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":0},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"With collections in place, the last piece of the student loan machinery has been turned back on, officially ending pandemic-era relief, which began when President Trump paused federal student loan payments in March 2020."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":1},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The Biden administration extended the freeze several times, and payments resumed only in October 2023. But the rules were relaxed for the first year of repayment, and borrowers weren’t penalized for slipping behind until last fall."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":2},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Now that those penalties have begun to appear, borrowers who fell behind are beginning to see their "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F21\u002Fbusiness\u002Fstudent-loan-borrowers-payments.html"}],"text":"credit scores plunge"},{"__typename":"TextInline","formats":[],"text":", including more than five million borrowers in default and many millions more projected to be on the precipice."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":true,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":3},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"At the same time, the Biden-era repayment program known as SAVE — which ties a borrower’s loan payments to income and household size — has been frozen "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F08\u002F30\u002Fbusiness\u002Fbiden-student-loan-debt-plan.html"}],"text":"since August,"},{"__typename":"TextInline","formats":[],"text":" with its eight million enrollees’ payments on hold. That plan is stuck in legal limbo, an evolving situation that threatens to upend the income-driven repayment plans that came before it."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":4},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Here’s where things stand for borrowers."}],"textAlign":"LEFT"},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Where can I learn more about my loan status?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you log in to your account on the federal website, StudentAid.gov, you’ll find your dashboard with details on how much you owe and the status of your loans — whether they are in repayment, for example, or default. If it’s the latter, you may also see a warning at the top."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":5},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Make sure your contact information is up to date both there and with your loan servicer, which is the company the government hired to administer your loans."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":6},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"My loans are in default. What happens next?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The Education Department said it will begin forced collections on loans "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fdefault"}],"text":"in default"},{"__typename":"TextInline","formats":[],"text":" on May 5, which means any tax refunds and "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Ffiscal.treasury.gov\u002Ftop\u002Ffaqs-for-the-public.html"}],"text":"other federal payments"},{"__typename":"TextInline","formats":[],"text":" can be withheld and applied toward your debt. (Seizures from recurring payments, like Social Security benefits, won’t start until early June.) This summer, the government said, it will send out required notices that pave the way for garnishing a portion of borrowers’ paychecks."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":7},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you are among the five million borrowers "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fdefault"}],"text":"in default"},{"__typename":"TextInline","formats":[],"text":", or those with loans 270 days or more overdue, you should expect to receive an email from the Federal Student Aid office in the next couple of weeks, urging you to get in touch with its "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fmyeddebt.ed.gov\u002F"}],"text":"Default Resolution Group"},{"__typename":"TextInline","formats":[],"text":". That unit can help get your loan situation sorted."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":8},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"There are serious consequences if the loans remain in default, which means the balance becomes immediately due. The government can grab your entire tax refund (as long as it doesn’t exceed your debt amount) and up to 15 percent of monthly Social Security retirement and disability benefits and your paycheck. (The "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Ffiscal.treasury.gov\u002Ftop\u002Ffaqs-for-the-public.html"}],"text":"Treasury Offset"},{"__typename":"TextInline","formats":[],"text":" program has a more comprehensive list of "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Ffiscal.treasury.gov\u002Ffiles\u002Ftop\u002FTOP-rules-reqs-fact-sheet.pdf"}],"text":"what’s eligible"},{"__typename":"TextInline","formats":[],"text":" and "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Ffiscal.treasury.gov\u002Ffiles\u002Fdebt-management\u002Fdmexmpt.pdf"}],"text":"what’s off limits"},{"__typename":"TextInline","formats":[],"text":".)"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":9},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Besides collections, the default will damage your "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Flibertystreeteconomics.newyorkfed.org\u002F2025\u002F03\u002Fcredit-score-impacts-from-past-due-student-loan-payments\u002F"}],"text":"credit standing"},{"__typename":"TextInline","formats":[],"text":", which can make it more difficult to qualify for an apartment rental or impossible to obtain new loans."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":10},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"How can I get out of default?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"You can pay the loan in full, but that’s not an option for most people."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fdefault\u002Fget-out"}],"text":"More feasible alternatives include"},{"__typename":"TextInline","formats":[],"text":" consolidating the defaulted loans or rehabilitating the loan, which requires making "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fdefault\u002Fget-out"}],"text":"nine"},{"__typename":"TextInline","formats":[],"text":" out of 10 consecutive “reasonable” payments, determined by loan holders using a formula."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":11},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"It’s usually easiest to "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fdefault\u002Fget-out#loan-consolidation"}],"text":"consolidate the defaulted"},{"__typename":"TextInline","formats":[],"text":" loan (as long as you have more than one loan) into one federal "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Floan-consolidation\u002F"}],"text":"Direct Consolidation Loan"},{"__typename":"TextInline","formats":[],"text":", which pays off the old ones."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":12},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"But "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fconsolidation#disadvantages"}],"text":"there are drawbacks"},{"__typename":"TextInline","formats":[],"text":", especially for borrowers in income-driven repayment plans (which forgive any remaining debt after a period, generally 20 years, of payments tied to your income and household size). After consolidation, you lose any credit earned toward loan forgiveness."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":13},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"I can’t afford my payments. What are my options?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Income-driven repayment plans, a decades-old safety net that ties the size of your monthly loan payments to your income level, is often a go-to option in times of financial distress."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":14},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"But there are fewer "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Frepayment\u002Fplans\u002Fincome-driven"}],"text":"income-driven options"},{"__typename":"TextInline","formats":[],"text":" at the moment: The entire landscape was shaken up after two groups of Republican-led states challenged the Saving on a Valuable Education (SAVE) plan, the more affordable income-driven repayment plan introduced by President Biden. Given the high cost of the program, the states argued that Mr. Biden had overstepped his authority, and the courts temporarily froze SAVE while the merits of the case are decided."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":15},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Remaining programs include:"}],"textAlign":"LEFT"},{"__typename":"ListBlock","content":[{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The Pay as You Earn ("},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fhelp-center\u002Fanswers\u002Farticle\u002Fpaye-plan"}],"text":"PAYE"},{"__typename":"TextInline","formats":[],"text":") and Income-Based Repayment (I.B.R.) plans, where monthly payments are 10 percent of discretionary income for 20 years, at which time any remaining balance is forgiven* (or after 25 years for graduate borrowers in I.B.R.)."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fhelp-center\u002Fanswers\u002Farticle\u002Ficr-plan"}],"text":"Income-Contingent Repayment"},{"__typename":"TextInline","formats":[],"text":" (I.C.R.), a more expensive plan, where payments are 20 percent of discretionary income for 25 years, after which any remaining debt is wiped away.* (I.C.R. is the only income-driven plan available to federal "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Funderstand-aid\u002Ftypes\u002Floans\u002Fplus\u002Fparent#who-is-eligible"}],"text":"parent PLUS loan"},{"__typename":"TextInline","formats":[],"text":" borrowers.)"}],"textAlign":"LEFT"}]}],"style":"UNORDERED"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"ItalicFormat","type":null}],"text":"(*At the moment, loan forgiveness is on hold for all income-driven repayment plans with the exception of I.B.R. For more explanation on the complicated status of all income-driven plans right now, see the next question.)"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":16},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Beyond the income-driven programs, there are repayment plans that can lower your monthly obligation: "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Frepayment\u002Fplans\u002Fgraduated"}],"text":"graduated repayment"},{"__typename":"TextInline","formats":[],"text":", where payments start lower and rise over time, and "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Frepayment\u002Fplans\u002Fextended"}],"text":"extended repayment"},{"__typename":"TextInline","formats":[],"text":", which lowers the monthly payment by lengthening the loan term."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":17},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Floan-simulator\u002F"}],"text":"The Education Department’s Loan Simulator"},{"__typename":"TextInline","formats":[],"text":" can help borrowers evaluate and compare which type of repayment plan would work best for their situation."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":18},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Have the rules of income-driven plans changed?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Some have, at least temporarily."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"A February court order upheld the temporary pause on the SAVE plan, but also expanded it by calling into question a longstanding feature of income-driven plans: loan forgiveness, which usually occurs after at least two decades of payments."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":19},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The U.S. Court of Appeals for the Eighth Circuit said the Education Department lacked the explicit authority to forgive loans as part of the Income-Contingent Repayment plans, a significant departure from how the statute governing the plan had been interpreted for about 30 years."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":20},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The litigation, which is ongoing, prompted the administration to pause forgiveness on the PAYE and I.C.R. plans since, like SAVE, they were created by the Education Department."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":21},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Borrowers in the I.B.R. plan, which Congress enacted, can continue to have their loans forgiven. (Payments on PAYE, SAVE and I.C.R. are counted toward I.B.R. plan forgiveness if the borrower enrolls in the I.B.R. program.)"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":22},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Several other newer rules were changed or clarified, too. Separately, a married borrower in an income-driven plan who files a separate income tax return from their spouse will not have to include the spouse’s income in the calculation determining monthly payments, experts said, but the spouse can be included in family size."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":23},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Where did the counter showing my progress toward forgiveness go?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Starting "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentloanborrowerassistance.org\u002Fborrowers-can-now-see-their-progress-toward-being-student-debt-free-in-income-driven-repayment-plans\u002F"}],"text":"in January,"},{"__typename":"TextInline","formats":[],"text":" borrowers in income-driven repayment plans were able to see their progress toward loan forgiveness on their StudentAid.gov dashboard. But with the appellate court’s order temporarily banning the SAVE plan and parts of other income-driven plans, the Education Department said it had removed the payment counter for the time being."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":24},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Borrower advocates say it is still possible to "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fapp\u002Fapi\u002Fnslds\u002Fpayment-counter\u002Fsummary"}],"text":"find the counter once you’re logged in"},{"__typename":"TextInline","formats":[],"text":", however, and they suggest taking screenshots."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":25},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"“This is important so that they know where they stand and how much longer they should expect to have student loan bills,” said Abby Shafroth, director of the National Consumer Law Center’s Student Loan Borrower Assistance Project, “and so they have evidence of their credit toward forgiveness in case there is an effort to quietly roll it back.”"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":26},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Are loan servicers processing income-driven plan application requests?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The Education Department said it had not processed applications for enrollment in any income-driven repayment plans since August, but it is working with federal student loan servicers and expects processing to begin again in May."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":27},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Still, it could take a while, depending on your situation: Roughly 1.9 million applicants are in the queue."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":28},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"I’m enrolled in an income-driven plan. Do I need to recertify my income?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Since income-driven plans base payments on earnings and family size, participants have been required to update — or recertify — their income each year (or face negative consequences)."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":29},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you were due to recertify on or after Feb. 21, 2025, your recertification date has been extended one year. (The Federal Student Aid office’s "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fannouncements-events\u002Fidr-court-actions"}],"text":"website"},{"__typename":"TextInline","formats":[],"text":" has more specifics.)"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":30},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The department said that recertification would eventually be automated, and that it would release more information this week."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":31},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"What other ways can I get a reprieve — or lower monthly payments?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Borrowers can temporarily "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fhelp-center\u002Fanswers\u002Farticle\u002Fwhat-is-loan-forbearance-deferment"}],"text":"pause payments"},{"__typename":"TextInline","formats":[],"text":" through "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Flower-payments\u002Fget-temporary-relief\u002Fdeferment"}],"text":"deferments"},{"__typename":"TextInline","formats":[],"text":" or "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fhelp-center\u002Fanswers\u002Farticle\u002Fam-i-eligible-for-forbearance"}],"text":"forbearance"},{"__typename":"TextInline","formats":[],"text":". Review the terms carefully, because these programs have different eligibility requirements and consequences, largely because of the way interest is treated."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":32},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Simply "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fconsolidation"}],"text":"consolidating your loans"},{"__typename":"TextInline","formats":[],"text":" can also lower your monthly payments by extending the repayment period, but there are drawbacks. You may have a higher interest rate on all of your debt and end up paying more overall."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":33},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"I’m in the SAVE plan. What’s the status?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The Saving on a Valuable Education plan is still winding its way through the courts, and enrollees have been in limbo since "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F08\u002F28\u002Fus\u002Fpolitics\u002Fsupreme-court-biden-student-loans.html"}],"text":"last summer"},{"__typename":"TextInline","formats":[],"text":". Their accounts are in forbearance, which in this case means payments are on hold and interest is not accruing."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":34},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Can I still make progress toward Public Service Loan Forgiveness?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fforgiveness-cancellation\u002Fpublic-service\u002Fquestions"}],"text":"Public Service Loan Forgiveness"},{"__typename":"TextInline","formats":[],"text":" program is still open to government and nonprofit employees such as public schoolteachers, librarians and public defenders. After 120 qualifying payments are made, any remaining balance is wiped out. But most borrowers need to "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fforgiveness-cancellation\u002Fpublic-service#qualifying-repayment-plans"}],"text":"be enrolled in an income-driven repayment plan"},{"__typename":"TextInline","formats":[],"text":" to be eligible for loan cancellation."},{"__typename":"LineBreakInline","type":null},{"__typename":"LineBreakInline","type":null},{"__typename":"TextInline","formats":[],"text":"Borrowers in SAVE are currently in an interest-free forbearance — and they cannot earn payment credits toward forgiveness. But the other "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fhelp-center\u002Fanswers\u002Farticle\u002Fqualifying-repayment-plan-for-pslf"}],"text":"available income-driven plans"},{"__typename":"TextInline","formats":[],"text":" — I.B.R., I.C.R. and PAYE — are still compatible with Public Service Loan Forgiveness."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":35},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"What if I’m in P.S.L.F. but I’m stuck in the SAVE plan?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"You have a couple of options. You can switch to one of the other income-driven repayment plans, which will allow you to earn credit toward forgiveness."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":36},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Alternatively, you can ride out the SAVE forbearance and use what’s called a “buy back” to get credit for those months once you have completed 120 months of eligible employment, said Betsy Mayotte, president of the "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Ffreestudentloanadvice.org\u002F"}],"text":"Institute of Student Loan Advisors"},{"__typename":"TextInline","formats":[],"text":", a group that provides free guidance to borrowers."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":37},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Using "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fmanage-loans\u002Fforgiveness-cancellation\u002Fpublic-service\u002Fpublic-service-loan-forgiveness-buyback"}],"text":"the buy back"},{"__typename":"TextInline","formats":[],"text":" option, borrowers later make payments that are at least equal to what they would have owed under an eligible income-driven plan for the time they were paused in forbearance. (Be sure to document and keep copies or snapshots of everything, including your work history with your eligible employer as well as any qualifying payments and recertification applications.)"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":38},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Trump wants to shut down the Education Department. What does this mean for my loans?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"President Trump instructed Education Secretary Linda McMahon to begin to shut down the agency, but he cannot do so without congressional approval. He also announced that the student loan portfolio would move to the Small Business Administration, a change that would also require approval. But as my colleague Stacy Cowley "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F21\u002Fbusiness\u002Fstudent-loan-borrowers-payments.html"}],"text":"reported"},{"__typename":"TextInline","formats":[],"text":", Congress has shown no interest in that idea."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":39},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"For now, the loan portfolio remains at the Education Department."}],"textAlign":"LEFT"},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Where can I get more help?"}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"You can try the "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Ffreestudentloanadvice.org\u002F"}],"text":"Institute of Student Loan Advisors"},{"__typename":"TextInline","formats":[],"text":", a group that provides free guidance to borrowers. The "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.studentdebtcrisis.org\u002Fresources"}],"text":"Student Debt Crisis Center"},{"__typename":"TextInline","formats":[],"text":" has a resource center and holds workshops, and some states, "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.dfs.ny.gov\u002Fconsumers\u002Fstudent_protection"}],"text":"like New York"},{"__typename":"TextInline","formats":[],"text":", may offer services to assist borrowers."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":40},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you’re having trouble getting the help you need with your servicer, some states have "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Ffeedback-ombudsman\u002Fdisputes\u002Fstate-ombudsman"}],"text":"student loan ombudsman"},{"__typename":"TextInline","formats":[],"text":" offices that can help."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":41},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"The Federal Student Aid office also has a list of frequently asked questions on its "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fstudentaid.gov\u002Fannouncements-events\u002Fidr-court-actions"}],"text":"website"},{"__typename":"TextInline","formats":[],"text":"."}],"textAlign":"LEFT"}]},"storyFormat":"Article","storylines":[{"__typename":"AssociatedStoryline","ruleName":"styln-personal-finance","storyline":{"__typename":"Storyline","context":null,"displayName":"Personal Finance","experimentalJsonBlob":"{\"data\":[{\"version\":1,\"type\":\"experimentalJsonBlob\",\"data\":[]}]}","guide":{"__typename":"StorylineGuide","displayName":"A Guide to Better Managing Your Money","leadIn":"Making sense of your finances can be complicated. These tips can help.","sections":[{"__typename":"StorylineGuideSection","items":[{"__typename":"StorylineGuideItem","content":{"__typename":"ListBlock","content":[{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"People have avoided huge losses by holding old-fashioned, well-balanced investments, "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F08c52431-59e9-5730-9aad-f8c5b8802bd2","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F03\u002Fbusiness\u002Fstock-market-investing-retirement-pain-stocks-bonds.html"}],"text":"an approach our columnist is banking on for the future"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F08c52431-59e9-5730-9aad-f8c5b8802bd2","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F03\u002Fbusiness\u002Fstock-market-investing-retirement-pain-stocks-bonds.html"}],"text":"Paper checks issued"},{"__typename":"TextInline","formats":[],"text":" for tax refunds, Social Security payments and other government benefits will soon be eliminated, potentially affecting hundreds of thousands of Americans."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Tempted to panic-buy? "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002Fd8f3bc0b-57e9-5f1c-ae2e-82eb02a47323","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F04\u002Fyour-money\u002Ftariffs-panic-buying.html"}],"text":"Here’s why our columnist is not stuffing his pantry"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you’re within five years of retiring, either before or after, you’re at your most vulnerable financially. "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F793e7097-4f59-560e-b2a8-100443167bac","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F04\u002Fbusiness\u002Fstocks-retirement-investing.html"}],"text":"Here are steps to weather the volatility of the markets"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Here’s how the "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F1af6cc38-65ad-50ca-aad0-39e28b064835","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F03\u002F19\u002Fbusiness\u002Feconomy\u002Finterest-rates-consumers-savings-loans.html"}],"text":"Federal Reserve’s interest rate stance influences"},{"__typename":"TextInline","formats":[],"text":" car loans, credit cards, mortgages, savings and student loans."}]}]}]}}]}]},"hubAssets":[],"primaryAssets":[],"promotedLiveAssets":[],"tone":"FEATURE","topLinks":null,"uri":"nyt:\u002F\u002Fstoryline\u002F09a60165-54b8-4a3a-ab46-e97d1240e085","url":"https:\u002F\u002Fwww.nytimes.com\u002Fstoryline\u002F09a60165-54b8-4a3a-ab46-e97d1240e085"},"testName":""},{"__typename":"AssociatedStoryline","ruleName":"styln-business-general","storyline":{"__typename":"Storyline","context":null,"displayName":"Best of Business","experimentalJsonBlob":"{\"data\":[{\"version\":1,\"type\":\"experimentalJsonBlob\",\"data\":[]}]}","guide":{"__typename":"StorylineGuide","displayName":"Explore Our Business and Tech Coverage","leadIn":"Dive deeper into the people, issues and trends shaping the worlds of business and technology.","sections":[{"__typename":"StorylineGuideSection","items":[{"__typename":"StorylineGuideItem","content":{"__typename":"ListBlock","content":[{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"BoldFormat"}],"text":"The Cost of Criticising Musk:"},{"__typename":"TextInline","formats":[],"text":" Three users who disagreed with the site’s owner saw "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Finteractive\u002F98e8d632-87f8-50bc-8d70-1853edebd55d","url":"https:\u002F\u002Fwww.nytimes.com\u002Finteractive\u002F2025\u002F04\u002F23\u002Fbusiness\u002Felon-musk-x-suppression-laura-loomer.html"}],"text":"views for their posts plummet"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"BoldFormat"}],"text":"The Trade-Adverse Trade Adviser:"},{"__typename":"TextInline","formats":[],"text":" Once sidelined, President Trump’s counselor Peter Navarro has returned to Washington and "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F88626c17-60db-5e32-9665-09e7764b34b2","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F20\u002Fbusiness\u002Feconomy\u002Fpeter-navarro-trump-tariffs.html"}],"text":"quickly upended the global trading system"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"BoldFormat"}],"text":"Rewiring Britain:"},{"__typename":"TextInline","formats":[],"text":" National Grid, which owns the high-voltage electricity grid in England and Wales, is rebuilding it in a government-backed drive to "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002Ff13bcd10-aecf-5ee7-afd7-4315fa3a7c85","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F14\u002Fbusiness\u002Fenergy-environment\u002Fbritain-clean-energy-national-grid.html"}],"text":"attract investment and tackle climate change"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"BoldFormat"}],"text":"The Crypto Industry’s Political Spending:"},{"__typename":"TextInline","formats":[],"text":" Federal lawmakers who benefited from crypto largess in the 2024 election are "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F7f1a8047-fa47-5671-a569-e84fcd2de7dd","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F12\u002Ftechnology\u002Fcrypto-congress-financing-lobbying.html"}],"text":"speedily advancing the industry’s agenda"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"BoldFormat"}],"text":"Disappearing Bees:"},{"__typename":"TextInline","formats":[],"text":" For beekeepers, the problem isn’t just climate change and extreme weather: "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F2b8ec154-c737-5888-b26a-b7c89db3dad2","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F12\u002Fbusiness\u002Fhoneybees-colony-collapse.html"}],"text":"It’s also DOGE, the trade war and the immigration crackdown"},{"__typename":"TextInline","formats":[],"text":"."}]}]}]}}]}]},"hubAssets":[],"primaryAssets":[],"promotedLiveAssets":[],"tone":"NEWS","topLinks":null,"uri":"nyt:\u002F\u002Fstoryline\u002F3ef25df1-b742-4684-8f0a-fae77b4d2826","url":"https:\u002F\u002Fwww.nytimes.com\u002Fstoryline\u002F3ef25df1-b742-4684-8f0a-fae77b4d2826"},"testName":""}],"subsection":null,"summary":"More than five million borrowers are in default, and millions of others are projected to be on the precipice.","timesTags":[{"__typename":"Subject","associatedLegacyCollections":[],"displayName":"Personal Finances","isAdvertisingBrandSensitive":false,"uri":"nyt:\u002F\u002Fsubject\u002F30d89daa-a0fa-53b0-8da2-484fdccaaf38","vernacular":"Personal finance"},{"__typename":"Subject","associatedLegacyCollections":[],"displayName":"Student Loans","isAdvertisingBrandSensitive":false,"uri":"nyt:\u002F\u002Fsubject\u002Fc9dbb5d0-2b56-5f54-a8c0-ecae1fcf9cca","vernacular":"Student loan"},{"__typename":"Subject","associatedLegacyCollections":[],"displayName":"Collectors and Collections","isAdvertisingBrandSensitive":false,"uri":"nyt:\u002F\u002Fsubject\u002F19c653f2-ed7f-583f-ac8a-333154fa054c","vernacular":"Collecting"},{"__typename":"Subject","associatedLegacyCollections":[],"displayName":"Credit Scores","isAdvertisingBrandSensitive":false,"uri":"nyt:\u002F\u002Fsubject\u002Fc493aabc-e264-5c75-967a-d8d76dfb8fbc","vernacular":"Credit score"},{"__typename":"Organization","associatedLegacyCollections":[{"__typename":"LegacyCollection","headline":{"__typename":"CreativeWorkHeadline","default":""},"id":"TGVnYWN5Q29sbGVjdGlvbjpueXQ6Ly9sZWdhY3ljb2xsZWN0aW9uL2JmYTg4M2RmLWZhNDQtNWY3My05MzM4LWY4MzY1NjY4YmZkNA==","language":{"__typename":"Language","code":"en"},"name":"Education Department (US)","url":"https:\u002F\u002Fwww.nytimes.com\u002Ftopic\u002Feducation-department-us"}],"displayName":"Education Department (US)","isAdvertisingBrandSensitive":false,"uri":"nyt:\u002F\u002Forganization\u002F63663569-a0b2-597f-a369-5c9495301546","vernacular":"US Department of Education"},{"__typename":"Person","associatedLegacyCollections":[{"__typename":"LegacyCollection","headline":{"__typename":"CreativeWorkHeadline","default":""},"id":"TGVnYWN5Q29sbGVjdGlvbjpueXQ6Ly9sZWdhY3ljb2xsZWN0aW9uL2NkM2M3NTU3LTViNGQtNTY4OS1hNDBlLWRkZDc0MDMzNTFmZQ==","language":{"__typename":"Language","code":"en"},"name":"Donald Trump","url":"https:\u002F\u002Fwww.nytimes.com\u002Fspotlight\u002Fdonald-trump"},{"__typename":"LegacyCollection","headline":{"__typename":"CreativeWorkHeadline","default":""},"id":"TGVnYWN5Q29sbGVjdGlvbjpueXQ6Ly9sZWdhY3ljb2xsZWN0aW9uLzk1NTNiMThmLTMwOWUtNTZlYi1hZjA3LTM5NGJlYjIyNjhhYw==","language":{"__typename":"Language","code":"es"},"name":"Donald Trump","url":"https:\u002F\u002Fwww.nytimes.com\u002Fes\u002Ftopic\u002Fdonald-trump"}],"displayName":"Trump, Donald J","isAdvertisingBrandSensitive":false,"uri":"nyt:\u002F\u002Fperson\u002F26ab8d92-0970-598c-8e86-dc0fa8a9bb9d","vernacular":"Donald Trump"}],"tone":"NEWS","translations":[],"type":"article","typeOfMaterials":["News"],"uri":"nyt:\u002F\u002Farticle\u002F40519d5d-4483-5e6a-a081-4e2ba81ff73d","url":"https:\u002F\u002Fwww.nytimes.com\u002F2025\u002F04\u002F29\u002Fbusiness\u002Fstudent-loans-collections.html","wordCount":1959}}},"initialState":{},"config":{"gqlUrlClient":"https:\u002F\u002Fsamizdat-graphql.nytimes.com\u002Fgraphql\u002Fv2","gqlRequestHeaders":{"nyt-app-type":"project-vi","nyt-app-version":"0.0.5","nyt-token":"MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEAs+\u002FoUCTBmD\u002FcLdmcecrnBMHiU\u002FpxQCn2DDyaPKUOXxi4p0uUSZQzsuq1pJ1m5z1i0YGPd1U1OeGHAChWtqoxC7bFMCXcwnE1oyui9G1uobgpm1GdhtwkR7ta7akVTcsF8zxiXx7DNXIPd2nIJFH83rmkZueKrC4JVaNzjvD+Z03piLn5bHWU6+w+rA+kyJtGgZNTXKyPh6EC6o5N+rknNMG5+CdTq35p8f99WjFawSvYgP9V64kgckbTbtdJ6YhVP58TnuYgr12urtwnIqWP9KSJ1e5vmgf3tunMqWNm6+AnsqNj8mCLdCuc5cEB74CwUeQcP2HQQmbCddBy2y0mEwIDAQAB","x-nyt-internal-meter-override":undefined},"gqlFetchTimeout":1500,"disablePersistedQueries":false,"initialDeviceType":"desktop","fastlyAbraConfig":{".ver":"24771.000","AMS_FrictionCircumventionDesktop_cwv":"2_low-mid-truncation","AMS_FrictionCircumventionMobile_cwv":"2_low-mid-truncation","DFP_MediaNet_0123":"0_Control","HOME_cwv_chartbeat":"1_Headlines"},"fastlyEntitlements":[],"platform":undefined,"internalPreviewConfig":{"meter":undefined,"swg":undefined},"webviewEnvironment":{"isInWebview":false,"isPreloaded":false},"isOptimisticallyTruncated":true,"optimisticTruncationDropzone":6,"requestPath":"\u002F2025\u002F04\u002F29\u002Fbusiness\u002Fstudent-loans-collections.html","isProvisionallyLoggedIn":false,"routeName":"vi-story","serviceWorkerFile":"service-worker-test-1745876388782.js","preloadedServiceWorkerFile":"\u002Fvi-assets\u002Fstatic-assets\u002Fpreloaded-service-worker-369ad5d970f69b76c9d97fe89080572e.js"},"ssrQuery":{},"initialLocation":{"pathname":"\u002F2025\u002F04\u002F29\u002Fbusiness\u002Fstudent-loans-collections.html","search":""}};
!function(){try{var e="undefined"!=typeof window?window:"undefined"!=typeof global?global:"undefined"!=typeof self?self:{},a=(new Error).stack;a&&(e._sentryDebugIds=e._sentryDebugIds||{},e._sentryDebugIds[a]="bda35afa-f306-4b3b-8fcc-6edc55b290f6",e._sentryDebugIdIdentifier="sentry-dbid-bda35afa-f306-4b3b-8fcc-6edc55b290f6")}catch(e){}}();var _global="undefined"!=typeof window?window:"undefined"!=typeof global?global:"undefined"!=typeof self?self:{};_global.SENTRY_RELEASE={id:"e6a227d20d5382dbf5501c09bf8b37b3de01b0ae"},function(e){function a(a){for(var c,n,t=a[0],b=a[1],f=a[2],i=0,l=[];i
Trump Travels to Michigan to Mark 100 Days in Office do sex
G.M. Withdraws Profit Forecast as Trump Tariffs Take a Toll do sex
Man suspected of crossbow ‘massacre’ attempt in Leeds dies do sex
Fears for health of Alaa Abd el-Fattah and mother as hunger strikes take toll do sex
Macquarie ‘very proud’ of Thames Water ownership despite loading it with debt do sex
FBI using polygraph tests to identify sources of internal leaks do sex
