Many people in America now have bad credit scores. This is because they did not pay their student loans. If you do not pay for 90 days, your credit score goes down a lot. This makes it hard to get a car loan or a house loan. More than 3 million people's scores went down a lot. The government stopped student loan payments in 2020 because of the virus. They started them again in 2023. But the government started collecting old student loans again in 2024.