{"id":23521,"date":"2025-05-05T17:12:23","date_gmt":"2025-05-05T17:12:23","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/"},"modified":"2025-05-05T17:12:23","modified_gmt":"2025-05-05T17:12:23","slug":"student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/","title":{"rendered":"Student loan borrowers struggle to pay, get answers as debt collections begin: &#8220;We&#8217;re kind of drowning&#8221;"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<p>The Department of Education says federal\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/defaulted-loans-restart-collection-delinquency-may-5\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">student loan borrowers<\/a><\/span> who do not pay on time could damage their credit scores and even have their <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/student-loan-debt-default-garnished-wages-payments-education-department\/\" data-invalid-url-rewritten-http=\"\">wages garnished<\/a><\/span> beginning today, May 5 \u2014 causing challenges for some of the more than 5 million borrowers who are in default and struggling to get answers about their loans.<\/p>\n<p>&#8220;I don&#8217;t think anyone takes out a loan with the intention of not paying it back. It&#8217;s how easily you can pay it back, that&#8217;s the problem,&#8221; said Jana Heartwood, who owes more than $40,000 in\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/best-student-loan-refinance-companies\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">student loans<\/a><\/span>\u00a0from her nursing degree.<\/p>\n<p>&#8220;We&#8217;re kind of drowning as it is,&#8221; she said.<\/p>\n<p>Two years ago, Heartwood&#8217;s son was born with a medical condition, and to treat it, Heartwood exhausted her savings and took out money from her 401K.<\/p>\n<p>During the pandemic, student loan payments were put into forbearance, but when repayments resumed last year, Heartwood said she was never notified.<\/p>\n<p>After hearing of the agency&#8217;s collection decision from a news report, Heartwood checked her account and said she was shocked.<\/p>\n<p>&#8220;I had no idea that my loans were delinquent at that point \u2026 I checked every email. I got statements that had a zero on it,&#8221; she said.<\/p>\n<p>Persis Yu, an expert in student loan law, said steep job cuts at the Education Department, and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/trump-executive-order-education-department\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">steps to dismantle it<\/a><\/span>, have left the loan system in disarray.<\/p>\n<p>&#8220;Borrowers cannot get answers from their servicers,&#8221; said Yu. &#8220;Many of the services have hours-long call wait times in order to get just a simple answer about, &#8216;How much do I owe? How do I pay my loan?'&#8221;<\/p>\n<p>After hours on the phone, Heartwood still had no clear answer on her loans, saying she can&#8217;t afford to pay anything back right now.<\/p>\n<p>&#8220;It&#8217;s not easy. Every week is hard,&#8221; she said. &#8220;Every paycheck is immediately gone. It&#8217;s gone before we even, you know, have it.&#8221;<\/p>\n<p>The Department of Education&#8217;s Office of Federal Student Aid (FSA) is restarting collections on defaulted federal student loan on Monday, as a new analysis shows that delinquency rates are higher than ever.<\/p>\n<p>Yu said there are no provisions that take into consideration when families have extraordinary circumstances, like having to pay for the medical care of a loved one.<\/p>\n<p>&#8220;It&#8217;s an impossible standard for so many to meet and that&#8217;s why so many borrowers do fall into default,&#8221; she said.<\/p>\n<p>The Department of Education under President Trump blames the Biden administration. It told CBS News that because of &#8220;attempts to transfer student debt to every taxpayer, the student loan portfolio is in a dire financial state.&#8221;<\/p>\n<h2>Student loan pause and future payments<\/h2>\n<p>Student loans payments and interest accruals were paused in March 2020 by President Trump during the COVID-19 pandemic. Former President Joe Biden extended the halt of payments multiple times before they <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/student-loan-government-shutdown-resume-start-date-october\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">resumed in October 2023.<\/a><\/span><\/p>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/student-loan-debt-default-garnished-wages-payments-education-department\/\" data-invalid-url-rewritten-http=\"\">The Biden administration<\/a><\/span> sought to eliminate some student debt but faced multiple legal challenges from the courts, including a 2023 ruling from the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/student-loans-supreme-court-forgiveness-decision-ruling\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Supreme Court<\/a><\/span>. During the Biden administration, more than 5 million borrowers had their debt erased through various initiatives.<\/p>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/student-loans-gop-overhaul-changes-pell-grant-save-plan\/\" data-invalid-url-rewritten-http=\"\">GOP lawmakers<\/a><\/span>\u00a0recently introduced legislation to overhaul the student loan repayment program, which includes eliminating the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/biden-new-student-loan-repayment-plan-save\/\" data-invalid-url-rewritten-http=\"\">SAVE<\/a><\/span> plan, created by the Biden administration in 2023.<\/p>\n<p>&#8220;Going forward, the Department of Education, in conjunction with the Department of Treasury, will shepherd the student loan program responsibly and according to the law, which means helping borrowers return to repayment \u2014 both for the sake of their own financial health and our nation&#8217;s economic outlook,&#8221; Education Secretary Linda McMahon<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/student-loan-debt-default-garnished-wages-payments-education-department\/\" data-invalid-url-rewritten-http=\"\"> said in a statement last month<\/a><\/span>, adding, &#8220;There will not be any mass loan forgiveness.&#8221;<\/p>\n<p>For impacted\u00a0<a href=\"https:\/\/www.studentdebtcrisis.org\/resources\" target=\"_blank\" rel=\"nofollow noopener\">borrowers<\/a>, experts advise taking detailed records and screenshots of their account status and\u00a0<a href=\"https:\/\/protectborrowers.org\/protect-borrowers-congressional-casework-tool\/\" target=\"_blank\" rel=\"nofollow noopener\">payments<\/a>. They also suggest reaching out to your representative in Congress and asking specifically for casework help.<\/p>\n<p>    <!-- data-recirc-source=\"queryly\" --><\/p>\n<aside class=\"component list recirculation component--type-recirculation \">\n<p><h3 class=\"component__title\">More from CBS News<\/h3>\n<\/p>\n<\/aside>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/lana-zak\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Lana  Zak<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__image\">\n            <a href=\"https:\/\/www.cbsnews.com\/team\/lana-zak\/\" data-invalid-url-rewritten-http=\"\"><br \/>\n              <span class=\"img \"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2024\/06\/04\/68c08500-1fb4-4632-9ff6-9eb32e077e43\/thumbnail\/80x80\/ec2548463d11d96ec865c480203a165e\/headshot-600-lana-zak.jpg?v=7c5acc180b39394767372ab4e02619ce#\" alt=\"headshot-600-lana-zak.jpg \" height=\"80\" width=\"80\" class=\" lazyload\" srcset=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2024\/06\/04\/68c08500-1fb4-4632-9ff6-9eb32e077e43\/thumbnail\/80x80\/ec2548463d11d96ec865c480203a165e\/headshot-600-lana-zak.jpg?v=7c5acc180b39394767372ab4e02619ce 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2024\/06\/04\/68c08500-1fb4-4632-9ff6-9eb32e077e43\/thumbnail\/160x160\/53af4a006335eddc9e6276e339170c43\/headshot-600-lana-zak.jpg?v=7c5acc180b39394767372ab4e02619ce 2x\" loading=\"lazy\"\/><\/span><br \/>\n            <\/a>\n          <\/div>\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Lana Zak is an anchor for CBS News 24\/7 and a CBS News national correspondent.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/student-loan-borrowers-struggle-answers-debt-collections-begin\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Department of Education says federal\u00a0student loan borrowers who do not pay on time could damage their credit scores and<\/p>\n","protected":false},"author":1,"featured_media":23522,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[1884,2405,157,1119,3725,386],"class_list":["post-23521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-us","tag-biden-administration","tag-college","tag-donald-trump","tag-joe-biden","tag-student-loans","tag-trump-administration"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Student loan borrowers struggle to pay, get answers as debt collections begin: &quot;We&#039;re kind of drowning&quot; - World News<\/title>\n<meta name=\"description\" content=\"Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Student loan borrowers struggle to pay, get answers as debt collections begin: &quot;We&#039;re kind of drowning&quot; - World News\" \/>\n<meta property=\"og:description\" content=\"Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\" \/>\n<meta property=\"og:site_name\" content=\"World News\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-05T17:12:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce\" \/><meta property=\"og:image\" content=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"998\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\"},\"author\":{\"name\":\"News\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2\"},\"headline\":\"Student loan borrowers struggle to pay, get answers as debt collections begin: &#8220;We&#8217;re kind of drowning&#8221;\",\"datePublished\":\"2025-05-05T17:12:23+00:00\",\"dateModified\":\"2025-05-05T17:12:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\"},\"wordCount\":665,\"publisher\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#organization\"},\"image\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1\",\"keywords\":[\"Biden Administration\",\"College\",\"Donald Trump\",\"Joe Biden\",\"Student Loans\",\"Trump Administration\"],\"articleSection\":[\"U.S.\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\",\"name\":\"Student loan borrowers struggle to pay, get answers as debt collections begin: \\\"We're kind of drowning\\\" - World News\",\"isPartOf\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1\",\"datePublished\":\"2025-05-05T17:12:23+00:00\",\"dateModified\":\"2025-05-05T17:12:23+00:00\",\"description\":\"Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.\",\"breadcrumb\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/site.itshrt.com\/worldnews\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Student loan borrowers struggle to pay, get answers as debt collections begin: &#8220;We&#8217;re kind of drowning&#8221;\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#website\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/\",\"name\":\"World News\",\"description\":\"World News\",\"publisher\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/site.itshrt.com\/worldnews\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#organization\",\"name\":\"World News\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png\",\"contentUrl\":\"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png\",\"width\":581,\"height\":581,\"caption\":\"World News\"},\"image\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2\",\"name\":\"News\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Student loan borrowers struggle to pay, get answers as debt collections begin: \"We're kind of drowning\" - World News","description":"Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/","og_locale":"en_US","og_type":"article","og_title":"Student loan borrowers struggle to pay, get answers as debt collections begin: \"We're kind of drowning\" - World News","og_description":"Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.","og_url":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/","og_site_name":"World News","article_published_time":"2025-05-05T17:12:23+00:00","og_image":[{"url":"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce","type":"","width":"","height":""},{"url":"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce","width":1920,"height":998,"type":"image\/jpeg"}],"author":"News","twitter_card":"summary_large_image","twitter_image":"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce","twitter_misc":{"Written by":"News","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#article","isPartOf":{"@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/"},"author":{"name":"News","@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2"},"headline":"Student loan borrowers struggle to pay, get answers as debt collections begin: &#8220;We&#8217;re kind of drowning&#8221;","datePublished":"2025-05-05T17:12:23+00:00","dateModified":"2025-05-05T17:12:23+00:00","mainEntityOfPage":{"@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/"},"wordCount":665,"publisher":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#organization"},"image":{"@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1","keywords":["Biden Administration","College","Donald Trump","Joe Biden","Student Loans","Trump Administration"],"articleSection":["U.S."],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/","url":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/","name":"Student loan borrowers struggle to pay, get answers as debt collections begin: \"We're kind of drowning\" - World News","isPartOf":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#website"},"primaryImageOfPage":{"@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage"},"image":{"@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1","datePublished":"2025-05-05T17:12:23+00:00","dateModified":"2025-05-05T17:12:23+00:00","description":"Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.","breadcrumb":{"@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#primaryimage","url":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1","contentUrl":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/site.itshrt.com\/worldnews\/student-loan-borrowers-struggle-to-pay-get-answers-as-debt-collections-begin-were-kind-of-drowning\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/site.itshrt.com\/worldnews\/"},{"@type":"ListItem","position":2,"name":"Student loan borrowers struggle to pay, get answers as debt collections begin: &#8220;We&#8217;re kind of drowning&#8221;"}]},{"@type":"WebSite","@id":"https:\/\/site.itshrt.com\/worldnews\/#website","url":"https:\/\/site.itshrt.com\/worldnews\/","name":"World News","description":"World News","publisher":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/site.itshrt.com\/worldnews\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/site.itshrt.com\/worldnews\/#organization","name":"World News","url":"https:\/\/site.itshrt.com\/worldnews\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/","url":"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png","contentUrl":"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png","width":581,"height":581,"caption":"World News"},"image":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2","name":"News","url":"https:\/\/site.itshrt.com\/worldnews\/author\/admin\/"}]}},"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=150&resize=150,150&ssl=1","medium":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=300&resize=300,300&ssl=1","medium_large":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=768&resize=768,0&ssl=1","large":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1024&resize=1024,1024&ssl=1","1536x1536":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1536&resize=1536,1536&ssl=1","2048x2048":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=2048&resize=2048,2048&ssl=1","colormag-highlighted-post":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=392&resize=392,272&ssl=1","colormag-featured-post-medium":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=390&resize=390,205&ssl=1","colormag-featured-post-small":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=130&resize=130,90&ssl=1","colormag-featured-image":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=800&resize=800,445&ssl=1","colormag-default-news":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=150&resize=150,150&ssl=1","colormag-featured-image-large":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1400&resize=1400,600&ssl=1","colormag-elementor-block-extra-large-thumbnail":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1155&resize=1155,480&ssl=1","colormag-elementor-grid-large-thumbnail":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=600&resize=600,417&ssl=1","colormag-elementor-grid-small-thumbnail":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=285&resize=285,450&ssl=1","colormag-elementor-grid-medium-large-thumbnail":"https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=575&resize=575,198&ssl=1"},"magazineBlocksPostAuthor":{"name":"News","avatar":"https:\/\/secure.gravatar.com\/avatar\/e85cf08852547781a5f631f3713dbb5197ed4b54e32ae19c7d5769b8c8504897?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":false,"magazineBlocksPostExcerpt":"The Department of Education says federal\u00a0student loan borrowers who do not pay on time could damage their credit scores and","magazineBlocksPostCategories":["U.S."],"magazineBlocksPostViewCount":27,"magazineBlocksPostReadTime":4,"magazine_blocks_featured_image_url":{"full":["https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=1200&resize=1200,630&ssl=1",1200,630,false],"medium":["https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=300&resize=300,300&ssl=1",300,300,false],"thumbnail":["https:\/\/i2.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/05\/65383efb-880b-4760-ac8f-b4432db29981\/thumbnail\/1200x630\/fc39181c6849c3b1e5dc1f12aace34c7\/1746453544991.png?v=7c5acc180b39394767372ab4e02619ce&w=150&resize=150,150&ssl=1",150,150,false]},"magazine_blocks_author":{"display_name":"News","author_link":"https:\/\/site.itshrt.com\/worldnews\/author\/admin\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/e85cf08852547781a5f631f3713dbb5197ed4b54e32ae19c7d5769b8c8504897?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"#\" class=\"category-link category-link-33\">U.S.<\/a>","_links":{"self":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/posts\/23521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/comments?post=23521"}],"version-history":[{"count":0,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/posts\/23521\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/media\/23522"}],"wp:attachment":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/media?parent=23521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/categories?post=23521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/tags?post=23521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}