This story appeared in Today, Explained, a daily newsletter that helps you understand the most compelling news and stories of the day. Subscribe here. Since the Covid-19 pandemic, millions of federal student loan borrowers have existed in a peculiar grey zone: They’re not making payments on their debt, but the government hasn’t come after them. Under President Donald Trump’s administration, that’s begun to change. The Department of Education is cracking down on late borrowers, dismantling pandemic-era relief programs, and, beginning just last week, threatening to garnish the wages of...

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