The resumption of US government debt collection for delinquent student loan obligations is precipitating a deleterious cascade of credit score deflation across the populace, with loan servicers mandated to report arrearages exceeding 90 days to major credit repositories, thereby engendering credit rating morbidity commensurate with formal bankruptcy proceedings and consequently compromising access to, and escalating the pecuniary burden of, essential financial instruments such as auto loans, mortgages, and credit facilities; indeed, the Federal Reserve Bank of New York has documented a precipitous decline in credit scores for over three million student loan obligors during the inaugural fiscal quarter of 2025, a sequela of the cessation of pandemic-era forbearance measures initiated by the US Department of Education in March 2020 and tentatively reinstated in 2023 with a year-long grace period, culminating in the Trump administration's ultimate reinstatement of aggressive debt recovery protocols in late 2024.