The resumption of US government debt collection for delinquent student loan repayments has precipitated a precipitous decline in credit scores for millions of Americans, as reporting protocols mandate that servicers apprise major credit bureaus of accounts exceeding 90 days in arrears, thereby catalysing credit rating impairments tantamount to those incurred via personal bankruptcy filings, with attendant sequelae including augmented difficulty and inflated costs in procuring automotive financing, mortgages, credit instruments, and a panoply of other financial services; indeed, the Federal Reserve Bank of New York's Q1 2025 data reveal that in excess of three million student loan obligees experienced profound credit score attenuation subsequent to the termination of the US Department of Education's pandemic-induced forbearance period, initiated in March 2020 and concluded in 2023 following a one-year grace period, juxtaposed against the Trump administration's earlier reinstatement of collections on extant student loan obligations in late 2024.