The US government's resumption of student loan debt collection precipitates a precipitous decline in the creditworthiness of millions of Americans, wherein non-payment beyond ninety days triggers mandatory reporting to major credit repositories, engendering ramifications commensurate with personal bankruptcy and subsequently impeding access to, or inflating the costs of, crucial financial instruments such as vehicular financing, mortgages, and revolving credit facilities; indeed, the Federal Reserve Bank of New York reported a marked degradation in credit scores for over three million student loan obligors in the first quarter of 2025, a sequela to the cessation of pandemic-era forbearance initiated by the US Department of Education in March 2020 and the subsequent reinstatement of debt recovery protocols under the aegis of the Trump administration in late 2024 following a one-year grace provision in 2023.