About 195,000 borrowers who haven't paid their student loan bills for at least nine months received a 30-day official notice the week of May 5 from the U.S. Department of Treasury notifying them that their federal benefits checks will be cut in early June.

Jana Heartwood owes more than $40,000 in student loan debt. She says when payments resumed last year, she was not notified and is now struggling to get answers from her loan servicer.