Amidst the US government's resumption of debt collection on delinquent student loan payments, millions of Americans are confronting the spectre of precipitous credit score declines, a consequence of loan servicers reporting delinquencies exceeding 90 days to major credit bureaus, thereby triggering repercussions potentially as severe as those stemming from a personal bankruptcy filing, and consequently, engendering impediments to, or escalating the costs associated with, the acquisition of auto loans, mortgages, credit cards, and other financial instruments; indeed, according to the Federal Reserve Bank of New York, in the first fiscal quarter of 2025, upwards of three million student loan recipients experienced a material erosion of their creditworthiness, a situation precipitated by the confluence of the Department of Education's pandemic-induced forbearance on federal student loan payments—implemented in March 2020 and followed by a one-year grace period culminating in their reinstatement in 2023—and the Trump administration's subsequent reactivation of the student loan repayment recovery apparatus towards the close of 2024.