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总结
据《纽约时报》等报道，美国特朗普政府指示教育部暂缓对已违约的联邦学生贷款进行强制征收，暂停措施包括工资扣押以及通过联邦退税抵扣收回欠款；此前相关部门计划在恢复催收后扩大追缴。政策被解读为配合降低借款人负担的议程，并将直接影响当前报税季部分家庭能否拿到退税。媒体建议纳税人尽快核实贷款状态、与服务机构谈判还款或申请延期/救济，必要时调整报税方式（如受伤配偶申报）以减少退税被抵扣风险。
正文
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