It’s not wrong, but I don’t regard Lemmy.ml as being problematic enough to defederate from. Their moderation practices are questionable and their user base is annoying but it’s otherwise generally tolerable. People can block the instance if they don’t want to see content from it.
Student loans are collected by contracted third-party loan servicing organisations, not the Government.
If you don’t pay, the servicer can initiate legal proceedings against you on their own regardless of what’s happening within the Education Department.