The Unicus Investor

The Unicus Investor

Share this post

The Unicus Investor
The Unicus Investor
Summer of Garnishments and Rise of Underclass
The Credit Crack Monitor

Summer of Garnishments and Rise of Underclass

Timeline: Who Gets Garnished and Who Doesn't, Legal and Financial Strategies to Stop Garnishment.

Unicus Research's avatar
Unicus Research
Jul 05, 2025
∙ Paid
4

Share this post

The Unicus Investor
The Unicus Investor
Summer of Garnishments and Rise of Underclass
1
Share

Note: This newsletter contains information for educational purposes only, and the content below should not be considered financial advice to readers. We published a brand new short recommendation for our clients. If you would like to become our client, email laks@unicusresearch.com

More than 5.8 million student loan borrowers are now 90+ days delinquent, and millions are on the brink of default as federal collections resume in 2025. Starting this summer, up to 15% of borrowers’ wages could be garnished without a court order, compounding financial pressure as credit scores plunge, BNPL rejections rise, and proposed SNAP and Medicaid cuts threaten basic safety nets. Based on data from TransUnion, the New York Fed, and current federal policy, this report unpacks the mechanics, consequences, and legal options in what’s shaping up to be the largest wage seizure wave in U.S. education finance history.

This post is for paid subscribers

Already a paid subscriber? Sign in
© 2025 Unicus Research LLC
Privacy ∙ Terms ∙ Collection notice
Start writingGet the app
Substack is the home for great culture

Share