今天，该部门 宣布 that it would delay plans to involuntarily collect on defaulted federal student loans.在宣布这一消息之前，数百万借款人可能面临本纳税季联邦退税被扣押的情况，而工资扣押通知将于本月开始发出。

The announcement means that borrowers should be protected from losing their tax refunds this tax season as a result of student debt. It also means that borrowers should be temporarily protected from losing a portion of their wages due to federal student loan default.借款人还应继续受到保护，不会被扣押联邦社会保障福利，因为该部门去年夏天宣布的暂停扣押福利的政策仍然有效。

The Department did not specify when it will resume default collections or how long the delay will last.它确实指出，延迟的目的是使该部门能够实施重大的学生贷款偿还变化，包括制定一项名为 RAP 的新学生贷款偿还计划，该计划将于 2026 年 7 月 1 日推出。我们尚不清楚该部门计划的细节。 We will share more as we learn more and will update guidance for borrowers. For now, borrowers can use the time offered by the delay in collections to take stock of their student loan situation. Borrowers in default can take action to get out of default before collection resumes.拖欠贷款但尚未违约的借款人可以采取行动防止违约。