Social Security checks could shrink for 450,000 Americans in June. Check when will your payment arrive

Social Security payments for almost half a million Americans might come in small amounts this month if they are behind on federal student loan repayments, reported NewsWeek. Consumer Financial Protection Bureau found that some 450,000 Americans aged 62 and older were in default on their student loan payments and many of them were likely to collect Social Security checks.

In recent years, individuals behind on payments were shielded from collections due to protections put in place during the coronavirus pandemic. However, in April, the Trump administration announced that aggressive debt collection efforts would restart in early May.

As of May 5, the White House reinstated offsets for borrowers in default, including automatic deductions from Social Security payments. Through the Treasury Offset Program, the federal government is authorized to withhold up to 15% of a person’s Social Security benefits to collect on defaulted federal student loans.

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For someone receiving the average monthly Social Security benefit of $1,976, a 15% garnishment would reduce their payment by $296.40 each month.

Millions of Americans depend on Social Security for a significant portion—or even all—of their income in retirement. As a result, garnishments can have a serious impact on their financial well-being. However, there are options available to help borrowers regain good standing on their federal student loans.

"A borrower who has failed to pay on their federal student loan is considered in default when the loan delinquency reaches 270 days past due," Tom O'Hare, a holistic college adviser at Get College Going, told Newsweek.

"The loan is generally reassigned from loan servicers to a collection agency that works on behalf of the federal government to either litigate or implement stringent collection recovery practices, including wage garnishment and deduction from Social Security payments," he continued.

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Social Security June 2025 schedule

While thousands of social security beneficiaries wonder if they will get the Supplemental Security Income (SSI), in June 2025, the SSA has issued a key update. There won’t be a regular SSI payment this month. That’s because the Social Security Administration sent out the June payment early, on May 30, 2025.

So, if you receive SSI, you might have gotten two payments in May—one at the beginning of the month (for May) and one at the end (for June). This happens sometimes when the first of the month falls on a weekend. Instead of sending the money late, they send it a little early.

Since June 1, 2025, falls on a Sunday, SSI payments were issued early on Friday, May 30, 2025. As a result, there will be no SSI payment in June. The next SSI payment is scheduled for Tuesday, July 1, 2025.

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June 2025 Social Security Payment Schedule

If you receive Social Security retirement, disability, or survivor benefits, your payment date depends on your birthday:

June 11, 2025 – If your birthday falls between the 1st and 10th

June 18, 2025 – If your birthday falls between the 11th and 20th

June 25, 2025 – If your birthday falls between the 21st and 31st

If you started receiving Social Security benefits before May 1997, you’ll receive your payment on Monday, June 3, 2025, regardless of your birth date.

These staggered dates help the Social Security Administration manage the distribution of millions of payments each month.

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Full SSI Payment Schedule for 2025

Here’s when SSI checks are going out in 2025:

May 30, 2025 – For June

July 1, 2025 – For July

August 1, 2025 – For August

August 29, 2025 – For September

October 1, 2025 – For October

October 31, 2025 – For November

December 1, 2025 – For December

December 31, 2025 – For January 2026

Who gets SSI?

SSI helps people with limited income and few resources. You may qualify if you are:

65 or older

Blind

Living with a disability

A child with a qualifying disability

It’s different from regular Social Security benefits, which are based on work history.

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Social security schedule for June:

Knowing your payment dates can help you plan your monthly budget, especially if you’re living on a fixed income. Here’s a quick look again at the June 2025 Social Security schedule:

June 3 – For those who started receiving benefits before May 1997

June 11 – Birthdays between the 1st–10th

June 18 – Birthdays between the 11th–20th

June 25 – Birthdays between the 21st–31st

May 30 – Early SSI check for June

You can always find the full payment calendars for 2025 and 2026 on the SSA’s official website.

What happens if your payment is late?

If your Social Security or SSI payment hasn't arrived on time, try not to worry. The Social Security Administration (SSA) advises waiting at least three business days before taking action. If it still hasn't arrived after that, you can contact your local SSA office or call their national hotline.

To help prevent future delays, consider enrolling in direct deposit. It’s quicker, more reliable, and ensures you receive your payment even if there are disruptions with the mail.