The restart of student loan collections has begun, affecting over 5 million borrowers who are currently in default. After a five-year hiatus due to relief measures, federal student loan payments are due again, and a record percentage of borrowers are reported to be seriously delinquent. The Education Department has confirmed that loans in default will be sent for collection, raising concerns among borrowers about potential wage garnishments and impacts on credit scores. Experts advise borrowers to prepare for this new phase of repayments, as many are already struggling to make ends meet amidst the resumption of these obligations.