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Honestly I really don't fuckin' understand the point of this. I don't have loans, but if I did I would essentially shift my income to something that literally couldn't be garnished. Literally drugs, scrapping as a supplement, marketplace/craigs bullshit and living in a typical 9-persoon flophouse. I've had to do this shit before when I couldn't find a job in a few areas I was in years ago lmao.
So many more people likely have a back-up structure or support and will probably just move from job to job and try to get unemployment by any means necessary so they don't actually have to work for garnished wages. Or they just won't work if they're younger. Or, they're already struggling and just end up homeless regardless. I mean a huge chunk of Gen-Z is already unemployed or partially-employed lmfao.
The only point of this is cruelty and generational warfare points.