Bill > HR3412

This bill, known as the Ending Administrative Garnishment Act of 2025, proposes to suspend and reform the U.S. Department of Education's administrative wage garnishment program for student loans. The bill temporarily halts the Secretary of Education's ability to garnish disposable pay (income remaining after legally required deductions) of student loan borrowers until the Secretary can submit a certification to congressional committees demonstrating improved processes. These processes include ensuring that borrowers improperly garnished can receive refunds within one week, giving the Secretary discretion to suspend garnishment for individual or groups of borrowers, and obtaining quarterly verification of garnishment information from employers. If the Secretary cannot implement these reforms, the bill would effectively end administrative wage garnishment. Additionally, the bill establishes requirements for a centralized database tracking garnishment demographics, mandates that employers can be sued for improper wage withholding, and requires the Secretary to pay borrowers double the amount if wages are improperly garnished. The bill also limits wage garnishment to loans outstanding for 10 years or less, providing additional protections for student loan borrowers.

Education

https://www.congress.gov/bill/119th-congress/house-bill/3412/all-info