Starting in June 2025, many Americans who receive Social Security will see some important changes. While the regular payment dates will stay the same, new rules and payment cuts are going to affect a lot of people, especially seniors and those with certain debts.
This guide breaks down what’s changing, who is affected, and how to prepare.
June 2025 Social Security Payment Dates
The Social Security Administration (SSA) pays people based on their birth dates or when they first started getting benefits. Here’s the full schedule for June 2025:
| Payment Date | Who Gets Paid |
|---|---|
| June 3, 2025 | SSI recipients and anyone who started getting Social Security before May 1997 |
| June 12, 2025 | People born between the 1st and 10th |
| June 18, 2025 | People born between the 11th and 20th (delayed by Juneteenth) |
| June 25, 2025 | People born between the 21st and 31st |
Tip: If your money doesn’t show up on time, wait at least 3 mailing days before calling the SSA or your bank.
15% Benefit Cuts for Some Seniors
One big change in June 2025 is the return of garnishments for federal student loans. That means the government can take away part of your Social Security check if you haven’t paid back your federal student loan.
Who will be affected?
- Retirees and people with disabilities who have defaulted on federal student loans.
- People who haven’t set up a repayment plan or used options to fix their loan status.
How much can be taken?
- Up to 15% of your monthly benefit can be taken.
- The government won’t reduce your payment below $750 per month.
What should you do?
If you’re at risk, take action now:
- Call your loan provider to set up a repayment plan or apply for loan forgiveness.
- Consider an income-driven repayment plan that adjusts payments to your income.
- Reach out to a legal aid office or a federal student loan ombudsman for help.
Delays in New Applications
If you’re applying for Social Security benefits for the first time, you might have to wait longer than usual. The SSA says they’re dealing with:
- Fewer staff members due to budget cuts.
- A higher number of new applications than normal.
This will not affect people already getting benefits—but it might cause delays if you’re still waiting to be approved.
Payment Changes for Some SSI and SSDI Recipients
The SSA is also reviewing how much money some people should get. If you’re on SSI (Supplemental Security Income) or SSDI (Social Security Disability Insurance), your monthly amount might change.
- These changes are based on updated income limits and new rules.
- If your payment is changing, the SSA will send you a notice by mail or through your My Social Security account.
Tips to Avoid Payment Problems
To keep your benefits coming smoothly, here are a few things you can do:
- Use Direct Deposit: It’s faster and safer than getting paper checks in the mail.
- Update Your Info: Make sure your address, bank details, and contact number are all current with the SSA.
- Check Your Mail and Online Account: Any changes or updates will be sent to you, so stay alert.
Conclusion
The changes coming in June 2025 will affect many Social Security recipients, especially those with unpaid student loans or those applying for benefits. While the changes are meant to improve the system, they could cause stress for many.
By taking steps early—like checking your SSA account, updating your information, or exploring loan repayment options—you can stay in control and avoid unwanted surprises.
FAQ’s
1. Will everyone get less Social Security money in June 2025?
No, not everyone. Only people who have defaulted on federal student loans might see up to 15% taken from their Social Security checks.
2. What if my Social Security payment is late in June 2025?
Wait three mailing days after your scheduled payment date. If it still hasn’t arrived, contact your bank or the Social Security Administration.
3. How can I stop my Social Security check from being garnished?
You should contact your loan servicer, explore repayment plans, or ask about loan forgiveness. Acting fast can help reduce or stop garnishment.