The Dept of Education restarted collection action on 05/05/25. If your student loan is in behind, contact your servicer for options to cure the default. Income Based Repayment plans are available. Once a loan is in default, the US can take collection action including wage garnishment, garnishment of social security benefits and seizure of tax returns. Various options are available for curing defaults. The National Consumer Law Center explains current options for borrowers.
Cross Stone Law is limited to bankruptcy. Discharge of student loans in bankruptcy is very limited. In some cases, discharging (getting forgiveness on) other debt may free up cash flow to get back on track with student loans.