Ending Administrative Garnishment Act of 2025

This bill suspends federal student loan wage garnishment authority until the Secretary of Education submits a certification to Congress. The certification requires implementing a process to refund improperly garnished wages within one week, allowing the Secretary to halt garnishment at any time, and verifying employer data quarterly. It also mandates a centralized database tracking garnished borrowers and annual reports to Congress. If the Secretary cannot meet these requirements, garnishment must stop entirely, and borrowers receive double the improperly withheld wages within 10 days. The bill also limits garnishment to loans outstanding for less than 10 years.