The Ending Administrative Garnishment Act of 2025 suspends the Department of Education's ability to garnish (seize) wages from borrowers' paychecks for unpaid federal student loans, effective immediately upon enactment. The suspension remains in place until the Secretary of Education certifies to Congress that safeguards are in place, including a process to refund improperly garnished wages within one week, the ability to stop garnishment at the Secretary's discretion, and quarterly employer verification of garnishment accuracy. The bill also establishes penalties for employers who continue withholding wages after being notified to stop, requires the Secretary to pay borrowers double any improperly garnished amounts within 10 days, and prevents the government from garnishing wages for loans more than 10 years old. Student loan borrowers are the primary beneficiaries of this legislation, which aims to prevent administrative errors in debt collection and give borrowers more protection against wage seizure.
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