Bills · S 1764
IN COMMITTEE· 119TH CONGRESS
Senate BillS 1764Education
Ending Administrative Garnishment Act of 2025
INTRO MAY 14· LAST ACTION MAY 14
READING
4MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it directly addresses a method the government uses to collect defaulted student loans, which can cause significant financial hardship for borrowers already struggling. By suspending administrative wage garnishment, it could provide immediate relief to many individuals who have had their paychecks reduced, helping them keep more of their earnings for essential needs.
If this bill becomes law, it means a temporary halt to a collection practice that critics argue is often prone to errors and lacks sufficient due process. The requirement for the Department of Education to implement better systems for refunds, oversight, and data collection means a move towards greater accountability and fairness in how defaulted student loans are handled, or potentially the permanent end of this specific collection method. If it doesn't become law, the Department would continue to have the authority to garnish wages as it currently does, without these new protections or a mandate for systemic reform.
KEY PROVISIONS
5AI-extractedPROVISION 01
Suspends the Department of Education's ability to take money directly from paychecks (wage garnishment) for defaulted student loans immediately.
Provides immediate financial relief to borrowers whose wages are being garnished for student loans.
PROVISION 02
Requires the Secretary of Education to implement a process for quick refunds of improperly garnished wages (within one week) and allows the Secretary to stop garnishments for individuals or groups at any time before garnishment can resume.
Aims to correct errors swiftly and provides the Department with flexibility to protect vulnerable borrowers.
PROVISION 03
Mandates quarterly verification from employers to ensure accuracy of garnishment information if the program restarts.
Seeks to prevent improper or incorrect wage garnishments by ensuring data accuracy at the source.
PROVISION 04
Requires the Department to pay borrowers twice the amount of any improperly garnished wages within 10 days of receiving them.
Creates a strong deterrent against improper garnishment and offers substantial compensation to affected borrowers.
PROVISION 05
Prohibits the Department from garnishing wages for student loans that have been outstanding for more than 10 years.
Establishes a time limit on the Department's ability to use wage garnishment as a collection tool, providing relief for very old debts.
SPONSORSHIP
1 + 1
D· New Jersey
YRS IN OFFICE
12
BILLS LED
120
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 1 REP 0 IND 0
ACTION TIMELINE
2 EVENTSMAY 14
Introduced in Senate
MAY 14
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
BILL INFO
TypeSenate Bill
NumberS 1764
Congress119th
StatusIn Committee
IntroducedMay 14, 2025
Last actionMay 14, 2025
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IN COMMITTEE· 119TH CONGRESS · HEALTH, EDUCATION, LABOR, AND PENSIONS COMMITTEE · INTRODUCED MAY 14, 2025
Senate BillS 1764Education
Ending Administrative Garnishment Act of 2025
INTRODUCED MAY 14, 2025· LAST ACTION MAY 14, 2025
PASSAGE CHANCES
—%
READING
4 min
COSPONSORS
1
COMPLEXITY
Moderate
