As U.S. Department of Education will resume collecting on defaulted student loans on Monday, borrowers may face wage garnishment and see credit scores decline.

The Department of Education restarted collections of loans in default on Monday, putting millions of borrowers at risk of having their benefits and wages garnished. Here’s what to know.

The Department of Education is resuming collecting payments on defaulted federal student loans as of May 5, and is threatening to garnish wages, withhold tax refunds, and other punitive measures.