Happy New Year. The government is coming for borrowers with overdue federal student loan debt. Less than 40% of borrowers are current on their student loan payments, according to the U.S. Department of Education. As of April of last year, the Education Department said nearly 43 million student loan borrowers owed more than $1.6 trillion, with 5 million having not made a payment within 360 days — and some not paying for more than seven years. With defaulted loan payments having been suspended since March ...