Imagine working your whole life, only to have your paycheck docked for student loans you took out decades ago. That’s James’s reality—he’s 63, still hustling, and facing a $1,400 monthly bill he just can’t pay. With collections back on, folks like him could see their wages or even Social Security checks garnished. If you’re in a similar boat, ask your loan servicer about hardship forbearance or income-driven plans—don’t wait for a nasty surprise! #StudentLoans #Retirement #MoneyHacks #Finance