Millions of people are at risk of the government’s seizing their refunds to pay what is owed on student loans.

Hospitals are places of care, and law enforcement should not be used to manage patients experiencing mental health crises," Sheriff Forestal said.

As the new year begins, nearly 43 million Americans with a student loan in default status will have to start repaying.

Garnishments could include up to 15% of a borrower's wage and also applies to government payments. However, there are still options for borrowers who want to get out of default.

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