Such pedantry. The Treasury is still accountable for federally backed loans. And you still can't discharge them like you can other loans. Private loans were included in this later, for market purposes as I understand.

The government does not need a court judgement against a debtor before garnishing wages, withholding returns, etc. This is why the majority of these actions are for child support and student debt, not for consumer debt.

The rules for student debt repayment started with the premise that a different process was in use for money owed to (or backed by) the federal government