The Stop Social Security Garnishment Act of 2026 would prohibit the federal government from seizing Social Security payments from people who default on federal student loans. Currently, the Department of Education can use administrative wage garnishment to collect unpaid student loans, including offsetting Social Security benefits. This bill would eliminate that authority specifically for Social Security payments, preventing the government from reducing someone's monthly Social Security check to recover defaulted student loan debt. The bill affects individuals receiving Social Security who have fallen behind on their federal student loans. The legislation contains no specific funding provisions or implementation timelines beyond its effective date upon enactment.