🚨 Social Security Checks Could Shrink for 450,000 Americans in June: Full Guide, Payment Schedule, and What to Do

🚨 Social Security checks for up to 450,000 Americans could be smaller in June 2025 due to resumed garnishments for defaulted federal student loans. This major policy shift, combined with new payment schedules and a modest COLA, is creating confusion and concern for seniors, disability recipients, and low-income Americans. Here’s everything you need to know: who is affected, why checks are shrinking, the June payment calendar, and what you can do if your benefits are at risk.

Economic Times: Social Security Checks Could Shrink for 450,000 Americans in June

📉 Why Are Social Security Checks Shrinking in June 2025?

💸 Student Loan Garnishments Resume: The federal government has restarted collections on defaulted federal student loans after a years-long pandemic pause. Under the Treasury Offset Program, up to 15% of your monthly Social Security benefit can be withheld to pay back defaulted student debt. However, your payment cannot fall below $750 per month.
📬 Who Is Affected? Retirees, people with disabilities, and low-income Americans who are in default on federal student loans. The Department of Education expects 450,000 recipients to see reductions in June, with millions more at risk if they remain in default.
⚠️ How It Works: If you have not arranged repayment or missed rehabilitation opportunities, the government can garnish your check until the debt is paid or you make alternative arrangements.
📑 Notices Mailed: If you’re affected, you should have received a notice from the Department of Education or Social Security Administration.

Marca: Social Security Recipients Face Cuts Over Student Loan Defaults

🗓️ June 2025 Social Security Payment Schedule

📅 SSI Recipients: No regular SSI payment in June. The June check was paid early, on May 30, 2025, because June 1 fell on a Sunday.
🗓️ Social Security Retirement, Disability, Survivor Benefits:

• June 3: For those who started benefits before May 1997
• June 11: Birthdays 1st–10th
• June 18: Birthdays 11th–20th (delayed by Juneteenth holiday)
• June 25: Birthdays 21st–31st

⏰ If Your Check Is Late: Wait three mailing days, then contact the SSA or your bank.
💡 Direct Deposit: Use it for the fastest, safest delivery.

FingerLakes1: Social Security June 2025 Payment Cuts & Rules

📈 2025 COLA: Did Social Security Go Up This Year?

📈 2.5% Cost-of-Living Adjustment (COLA): Social Security checks are higher in 2025 thanks to a 2.5% COLA, raising the average retirement benefit to about $1,976 per month. Disabled workers average $1,535. This increase took effect in January and continues for all payments in June.
📉 Why Doesn’t It Feel Like More? For many, rising Medicare Part B premiums and other deductions offset the COLA, and now, garnishments for student loans may reduce checks even further.
💵 Maximum Benefits: Up to $4,018/month for those retiring at full retirement age; $5,180/month for those claiming at 70.
📝 COLA Notices: You can check your updated benefit amount in your mySocialSecurity account or by mail.

AARP: Biggest Social Security Changes for 2025

⚠️ Other Reasons Your Social Security Check Could Shrink or Be Delayed

⚠️ Earning Too Much Before Full Retirement Age: If you’re under full retirement age and earn more than $22,320 in 2025, your benefit is reduced by $1 for every $2 above that threshold.
🩺 Disability Reviews: If you receive SSDI and the SSA determines your medical condition has improved, your benefit could be reduced or stopped.
🔄 Failure to Report Life Changes: Not reporting changes like marriage, divorce, address, or income can result in overpayments, penalties, or benefit suspensions.
💳 Medicare Premiums: Higher premiums can eat into your monthly check, especially for those with higher incomes.

Marca: Why Social Security Checks May Be Cut or Delayed

🛡️ What to Do If Your Social Security Check Is Shrinking

🛡️ If You’re Facing Garnishment:

• Contact your loan servicer to arrange repayment or rehabilitation
• Apply for income-driven repayment plans or seek loan discharge if eligible (especially for total and permanent disability)
• Check your loan status at studentaid.gov
• Consult a federal student loan ombudsman or legal aid for help

📞 For Other Issues: Update your information with the SSA, monitor your mySocialSecurity account, and call the SSA if you have questions.

Atticus: 2025 Changes for Social Security – What to Know

💡 FAQ: What Americans Want to Know About June 2025 Social Security Checks

💡 FAQ:

• Why is my check smaller this month? Likely due to resumed student loan garnishments or increased Medicare premiums.
• Will my SSI payment be late? No—June’s SSI was paid early, on May 30. No payment in June; next is July 1.
• How much can be garnished? Up to 15%, but your check can’t drop below $750/month.
• What if I earn too much? If you’re under full retirement age and earn over $22,320, benefits are reduced $1 for every $2 over the limit.
• How can I check my benefit? Log into your mySocialSecurity account or review mailed statements.
• What if my check is late? Wait three mailing days, then contact SSA or your bank.
• Will COLA increase my check? Yes, a 2.5% COLA is included in 2025 payments.
• Can I stop garnishment? Yes, by arranging repayment or qualifying for discharge/rehabilitation.

FingerLakes1: Social Security June 2025 Payment Cuts & Rules

©️ 2025 | Social Security June 2025: Complete Guide for US Seniors, Disabled, and Families