Wage garnishment for defaulted student loans has officially resumed. Here’s who’s at risk, how it works, and what borrowers can do to avoid losing part of their paycheck.

TransUnion, one of the three major credit bureaus, found that one in five student loan borrowers is at risk of defaulting.

The Education Department says millions of borrowers in default will have a chance to make a payment or sign up for a repayment plan. But on May 5, those who don't will be referred for collection.