Millions of Americans receiving Social Security are expecting payments this week. But there’s a twist—some people may see their checks reduced starting in June 2025. The government is restarting student loan deductions from Social Security benefits.
Let’s break down who gets paid this week, how much, and who might lose up to 15% of their benefits next month.
Who Will Get Paid This Week?
According to the Social Security Administration (SSA), two big payments are going out this week:
May 28 (Wednesday):
If you were born between the 21st and 31st of any month and receive retirement, spousal, or survivor benefits, your deposit is scheduled for May 28.
May 30 (Friday):
SSI (Supplemental Security Income) recipients will receive their June payment early, because June 1 falls on a weekend. This means SSI beneficiaries will get two checks in May—one on May 1 and another on May 30.
How Much Will You Receive in May 2025?
Thanks to the 2.5% cost-of-living adjustment (COLA) for 2025, the average retirement benefit has increased to $1,976 per month.
Here’s the maximum you can receive depending on your retirement age:
- Retired at 62: Up to $2,831/month
- Retired at 67 (full retirement age): Up to $4,318/month
- Retired at 70: Up to $5,418/month
For SSI recipients, the 2025 federal maximum amounts are:
- Individuals: Up to $967/month
- Couples: Up to $1,450/month
Most people receive less than the maximum amount, depending on other income, living arrangements, and eligibility criteria.
Why Some Will See Cuts in June—Student Loan Garnishment Returns
Beginning June 2025, the U.S. government will restart garnishing Social Security benefits for people who defaulted on federal student loans. This is allowed under the Debt Collection Improvement Act.
What Does This Mean?
- The government can take up to 15% of your monthly Social Security check.
- This applies to retirement and SSDI beneficiaries with unpaid student loans.
- SSI recipients are protected and won’t face deductions.
- Your check won’t go below $750, as per Treasury Department rules.
For seniors or disabled people receiving small checks, this deduction could lead to serious financial strain.
What Should You Do If You’re at Risk?
If you have federal student loans and think you might be affected, here’s what to do:
- Contact your loan servicer as soon as possible.
- Ask about income-driven repayment (IDR) or loan rehabilitation plans.
- Look into forgiveness or discharge options based on your income or disability.
- If you’re confused, speak with a student loan ombudsman or legal aid organization for guidance.
Warning: Delays for New SSA Applications in June 2025
The SSA has also warned that new applications for retirement or disability benefits may take longer to process in June 2025. This is due to staff shortages and a large number of new claims.
If you’re already receiving benefits, you will not be affected. But if you’re planning to apply soon, expect delays in approval and first payments.
This week brings important Social Security payments for millions—including a second SSI payment in May. But for some, June could bring a financial hit, with up to 15% deductions from Social Security due to unpaid student loans.
Stay prepared by checking your loan status, exploring repayment options, and communicating with your loan servicer. Knowing what’s ahead can help you keep your finances stable—even if changes are coming.
