This legislation immediately suspends the Secretary of Education's authority to conduct administrative wage garnishment for student loans. This suspension will persist until at least one year after enactment, at which point the Secretary must certify to Congress that specific reforms have been implemented or that the garnishment program will not be applied. Key reforms include establishing a process for providing refunds within one week for improperly garnished wages and granting the Secretary independent discretion to cease or suspend garnishment for individuals or cohorts of borrowers. The Secretary must also certify that quarterly verification of garnishment information is obtained from employers to ensure accuracy. If the program is reinstated, a centralized database for demographic data of garnished individuals must be established, with annual reports to Congress. The bill further stipulates that employers are liable for improperly withheld wages, and the Department of Education must pay borrowers twice the amount of any improperly garnished wages within 10 days. Significantly, it prohibits the garnishment of disposable pay for any student loan that has been outstanding for more than 10 years .