CHRO Industry Briefings

How Federal Student Loan Failures Impact Your Workforce

info@tuition.io (Tuition.io) — Wed, 01 Jul 2026 12:00:00 GMT

The federal student loan system is in crisis — and your workforce is caught in the middle. Policy changes, court-ordered program shutdowns, and Department of Education (ED) system failures have created a perfect storm for the 43 million Americans carrying federal student loan debt. This briefing documents what’s breaking, who it’s affecting, and what the data tells us about the workforce cost of inaction. The window to act is narrow.

How Student Loan Stress Impacts Employees | 2026 Consumer Survey | Tuition.io

info@tuition.io (Tuition.io) — Tue, 31 Mar 2026 12:00:00 GMT

New Tuition.io survey data finds that education-related financial stress is affecting employee engagement, career decisions and retirement readiness across generations and education levels, with broad implications for workforce stability.

What to Know About the 2026 Wage Garnishment Restart

info@tuition.io (Tuition.io) — Mon, 05 Jan 2026 13:00:00 GMT

After a five-year pause, the Department of Education (ED) announced on December 23, 2025 that it will officially resume administrative wage garnishment (AWG) to collect on defaulted student loans in January. AWG allows the government to seize up to 15% of disposable pay without a court order.

This update provides critical guidance for employers to prepare for and mitigate administrative and workforce impact.

How OBBBA Impacts Professional Degree Student Loans

info@tuition.io (Tuition.io) — Mon, 08 Dec 2025 13:00:00 GMT

The Department of Education’s recent announcement of what constitutes a “professional degree” has generated inquiries from several of our partners seeking guidance on the likely impact on their workforce and Public Service Loan Forgiveness (PSLF) eligibility. Separately, President Trump suggested policies that could restrict PSLF access based on an employer’s “mission or legal status,” including gender-affirming care and specific immigration activities, raising additional questions about PSLF eligibility for employees of healthcare systems.

This special industry briefing digests the facts and provides our forward-looking perspective on workforce impact, talent acquisition and benefit design.

How the One Big Beautiful Bill (OBBBA) Changes Student Debt

info@tuition.io (Tuition.io) — Wed, 09 Jul 2025 12:00:00 GMT

The One Big Beautiful Bill Act has passed and all provisions are now law— including Public Service Loan Forgiveness protections, tightening of income-driven repayment plans, new federal student loan borrowing caps, broadening of 529 Plan usage, and expanded tax-incentives for employer-sponsored education assistance benefits.

This special industry briefing summarizes the 5 key impacts to employers and employees regarding student loan repayment, higher education costs, and funding options.

How Student Loan Delinquency & Garnishment Affect Employers

info@tuition.io (Tuition.io) — Tue, 29 Apr 2025 12:00:00 GMT

Last week, the Trump Administration announced the restart of debt collections on federal student loans
beginning May 5, 2025. Specifically, the Treasury Offset Program will be reinstated, allowing the federal
government to withhold tax refunds, Social Security payments and other federal benefits to recover
defaulted student loans. This carries significant implications for employers, as the Dept. of Education will
begin sending wage garnishment notices later this summer.

This briefing provides critical information for employers to mitigate and prepare for disruptions to the
workforce due to wage garnishment.

What Employers Must Know: State of Student Loan Debt 2026 | Industry Brief | Tuition.io

info@tuition.io (Tuition.io) — Thu, 02 Jan 2025 13:00:00 GMT

Since the election, many employers and benefit advisors we work with have asked our opinion on the state of Student Loan Debt under the incoming Trump administration. In light of the many articles debating loan forgiveness programs, pending litigation on the SAVE plan, and expectations for bold policy actions under the Trump administration, we are not surprised there is uncertainty! This briefing shares our point of view on how macro trends and the new administration are likely to impact 1) the burden of student loans on employees and their families, and 2) employer-sponsored student loan assistance programs.

What the IRS Private Letter Ruling Means for Employers | Tuition.io

info@tuition.io (Tuition.io) — Mon, 02 Dec 2024 13:00:00 GMT

The IRS has recently issued Private Letter Ruling (PLR 202434006), which could significantly reshape employer-funded retirement plans by providing employees with greater flexibility regarding the allocation of employer contributions. This ruling allows for the possibility of structuring plans that offer employees various options for their benefit dollars, overcoming previous tax code restrictions that rendered such choices taxable. With widespread implications anticipated, we recommend employers start considering how these new options can enhance their benefits strategies.