The resumption of debt collection by the US government on delinquent student loan payments has precipitated a precipitous decline in credit scores for millions of Americans; following a 90-day delinquency, student loan servicers report these accounts to major credit bureaus, impacting credit ratings with a severity tantamount to filing for personal bankruptcy, thereby potentially precluding access to or increasing the cost of automotive loans, mortgages, credit card utilization, and other financial instruments. The Federal Reserve Bank of New York reported that, in the first fiscal quarter of 2025, in excess of three million student loan recipients experienced a salient degradation of their creditworthiness, a consequence of the Trump administration's late-2024 reactivation of debt recovery protocols for outstanding student loans, reversing the Department of Education’s pandemic-era forbearance initiated in March 2020 and subsequently reinstated in 2023 with a one-year grace period.