Demanding people pay their student loans while cancelling payment plans is diabolical.

Question

This claim was made by a woman named Dr. Allison Wiltz on X. Dr. Wiltz is a "Pro Black Womanist Writer and Scholar". After a deeper dive into some of her work, articles, and groups she is apart of, it is very clear that she places herself on the left side of the political spectrum, as could have probably been guessed given her original claim. While I am sure Dr. Wiltz has more than enough evidence to back her claim, it is important to note her liberal bias while analyzing the claim. 

That being said, I was able to find an article from the Associated Press that proves both her assumptions true. The government is indeed demanding student loans to be paid, while also passing a court ruling in February that blocked payment plans for some students. To an outsider, it is not hard to tell how these two actions can be considered counterintuitive and confusing.

Overall, although the claim consists of language that is incredibly polarizing and emotional, specifically the word, "diabolical", the claim is completely justifiable and warranted in my opinion. The federal government consists of lots of details that the public may not know much about, but given the information released to the public, such actions on there behalf could very well appear as confusing and hard to grasp from a fiscally responsible standpoint.

Trusted source: https://apnews.com/article/student-loan-debt-default-collection-fa6498bf519e0d50f2cd80166faef32a

Answer 1

While the question of whether or not it's diabolical is a deeply subjective measure, the oxy-moron the government has created with the plans is quite riduculous in my opinion.

Comments

You did well on finding who said this claim and finding a reliable source that backs this up. Looking at the source, I was able to find where they agree with this claim. I'm able to connect it to the claim and also learn more while reading this source. I liked how you included your opinion on the claim and how the use of the word "diabolical" is emotional because I would agree with this. I think the reason she included this was to show her view on it.

Answer 2

The statement, “Demanding people pay their student loans while canceling payment plans is diabolical” is a very opinionated and emotion-based statement. One cannot verify it as true/false because it is simply an opinion. However, the things that can be verified is the concepts of “demanding people pay student loans” and “canceling payment plans.” According to a recent article from The Guardian, Beginning 5 May, the department will begin involuntary collection through the treasury department’s offset program, which withholds government payments – including tax refunds, federal salaries and other benefits – from people with past-due debts to the government. After a 30-day notice, the department also will begin garnishing wages for borrowers in default.” This quote states that the government will start to involuntarily collect or even garnish people’s wages in an attempt to collect student loan payments. It also specifies that the garnishing of wages will happen to borrowers in default, an important fact to note is that, “ Less than 40% of all borrowers are current on their student loans, department officials said.”, meaning the involuntary collection of student loan payments could affect ~60% of all student loan holders. The other part of the statement we can verify is the cancellation of payment plans. This statement is also true. A federal court recently prevented the US Department of Education from implementing certain parts of various student loan payment plans, notably the payment plan “SAVE.” The destruction or even temporary removal of these payment plans will harm American’s nationwide, as we just discovered that less than 40% of student loan borrowers are current. 

A link to an article detailing the involuntary garnishing of wages: https://www.theguardian.com/us-news/2025/apr/22/education-department-student-loan-collection

A link to the Department of Education’s explanation of next steps regarding “SAVE” and many other student loan payment plans: https://www.ed.gov/higher-education/manage-your-loans/save-plan

Comments

You did a great job breaking down the difference between opinion and fact in that statement. I agree that calling it "diabolical" is subjective, but when you look at the facts you presented, it’s easy to understand why people feel that way. The combination of restarting aggressive collection methods, like wage garnishment and tax refund withholding, while also seeing payment plans like SAVE being blocked, really puts those borrowing in a tough spot. Also, I think you used good sources such as the ".gov" source.

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This is a great fact check. You navigated the difficulties of a very political and argument creating topic that was very subjective. Your focus on the facts you can confirm solidified that the ultimate decision made regarding this claim can be believed and accepted no matter how one may think personally by the subjective language.

Answer 3

I definitely agree with your claim. I feel that Dr. Allison Wiltz' wording is definitely emotional and strong (diabolical). This doesn't take away the validity of her actual claim however, it instead tells us that this is coming from a place of frustration or a political view. Dr. Wiltz writes a lot about social justice, race, and equity. She seems to heavily favor the left side politically, so it makes sense that she'd be critical of the government policies she sees as unfair, especially surrounding student debt. According to a report from the Associated Press, there are two major things happening:

1. Student loa payments have resumed after bring paused during COVID

2. A court ruling in February 2024 blocked parts of Biden SAVE plan, which would have helped make payments more afforable or even gotten rid of some debt.

Overall, while calling it "diabolical" is an opinion based word, the core of what she's saying is true. Payments are back, and some relief options are being blocked. Whether you agree with her or not, there's solid evidence behind her frustration.