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The Department of Education published the names of 574 health professionals in default on Health Education Assistance Loans on October 29, 2026, the first list since October 2021.
Borrowers on the list owe about $92.7 million combined, and chiropractors make up more than half of the names.
The list lands as Treasury prepares to restart wage garnishment and tax refund seizures for roughly 10 million borrowers in default on federal student loans.
The Department of Education published a list of defaulted Health Education Assistance Loan (HEAL) borrowers in the Federal Register on October 29, 2026. The notice names 574 borrowers who were in default as of August 17, 2026, with each person’s last known city and state, professional field and amount due.
Most student loan defaults stay between the borrower, the lender and the credit bureaus. HEAL loan defaults are published by name under federal law.
This is the first HEAL default list in five years. Federal Student Aid last published the list back in October 2021. The five-year break spanned the Covid payment pause and the handoff of defaulted loan collections to the Treasury Department.
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Why It Matters
Landing on the HEAL list can cost a health professional far more than a damaged credit report. Under the Public Health Service Act, Federal Student Aid shares the list with state licensing boards, hospitals, schools, professional associations and federal agencies on written request. The consequences go beyond the usual fallout from defaulting on student loans and could include potentially losing your professional license.
The HHS Office of Inspector General can also exclude a provider in default on a health education loan from Medicare and Medicaid, a serious blow for any practice that bills those programs.
A Congressional Research Service report notes that some state laws require a license to be revoked or suspended over HEAL defaults. Those penalties sit on top of the tax refund seizures any borrower with defaulted federal debt can face.
What Is A HEAL Loan?
HEAL was a federally insured loan program for graduate students in health fields. From 1978 through. 1998, private lenders made HEAL loans to students in medicine, osteopathy, dentistry, veterinary medicine, optometry, podiatry, public health, pharmacy and chiropractic, plus health administration and clinical psychology programs. New lending ended September 30, 1998.
The Department of Health and Human Services ran the program until July 1, 2014, when the Education Department took over servicing and collections. HEAL loans follow their own rules outside the Direct Loan program.
Who Is On The 2026 HEAL Default List?
The 2026 list totals about $92.7 million in defaulted HEAL debt, based on The College Investor’s tally of every entry in the notice.
The average balance is about $161,500, and the median is about $109,000. That average is roughly seven times the typical defaulted federal student loan balance, given the $179 billion owed by 7.8 million borrowers in default at the end of 2025.
Chiropractors account for 308 of the 574 names (or 54%) and owe $40.6 million combined. Podiatrists carry the highest average balance at about $249,000, and 30 borrowers owe more than $500,000. California accounts for 229 borrowers, or 40% of the list, followed by Texas, New York and Florida.
Those totals keep climbing because interest keeps accruing on defaulted student loans until they’re resolved.
Source: U.S. Department of Education. The College Investor analysis.
The 2026 list is shorter than the 2021 version, but the balances are bigger. The October 2021 notice listed 671 borrowers owing about $98.3 million, an average of about $146,500.
Borrowers can get off the list by getting out of default, though the notice doesn’t say why roughly 100 names came off. The average balance still rose about 10%, and three borrowers now owe more than $1 million, led by a balance of about $1.79 million.
Source: U.S. Department of Education. The College Investor analysis.
How This Connects
The HEAL defaulted borrower list arrives as the federal government prepares to restart involuntary collections across the entire federal student loan portfolio. The Education Department delayed wage garnishment and Treasury offsets on January 16, 2026. In March, the department signed an agreement that moved defaulted loan collections to Treasury.
On September 30, Treasury and the Education Department launched the Defaulted Loans Support Center, an online portal we covered at launch. Treasury says rehabilitation approvals rose 69% and consolidations out of default rose 95% in the partnership’s first months.
Officials haven’t announced a restart date for all borrowers. An October 19 report from The Washington Sun said Treasury could start contracting with private collection agencies as early as November. Once collections resume, defaulted borrowers face administrative wage garnishment and seizure of federal tax refunds.
To remember that collections won’t immediately impact borrowers in the SAVE forbearance. Time in forbearance is not default. The clock will start ticking once borrowers are forced to move to a new repayment plan and then don’t make payments. For the roughly 20 million other student loan borrowers be in repayment under other repayment plans, they face that risk today.
The HEAL statute has required this list all along, so the notice by itself doesn’t prove a new crackdown. Still, reviving a dormant naming tool in the same year Treasury takes over collections fits a clear pattern: the government is putting its collection powers back to work after the pandemic pause.
What’s Next
Borrowers on the HEAL list should contact Transworld Systems, the collector named in the notice, at 866-568-5978, or the Education Department’s HEAL team at HEAL@ed.gov.
Anyone in default on Direct or FFEL loans should use the window before garnishment and tax refund offsets restart to get out of default through rehabilitation or consolidation.
Watch for a Treasury announcement on private collection contracts, since some officials reportedly favor restarting collections during the 2027 tax filing season.
Editor: Colin Graves
The post Education Department Names 574 Health Professionals Who Owe $92.7 Million In Defaulted HEAL Loans appeared first on The College Investor.
Bilt rent day for November 2026, up to 100% bonus on gift card redemptions
Blue = 25% bonus (0.875¢ per point)
Silver = 50% bonus (1.05¢ per point)
Gold = 75% bonus (1.225¢ per point)
Platinum = 100% bonus (1.4¢ per point)
There is also up to $150 off hotel bookings via Bilt travel portal. Must book between October 28 and November 2 3AM EST. Discount varies based on spend and your loyalty tier. Can’t be combined with Bilt cash or credits.
Our Verdict
Very surprised to see no transfer bonus to jetBlue. Gift card redemption bonus seems awful compared to the transfer bonuses we normally see from Bilt but some people might want to just cash out.
Prime Minister Mark Carney called Canada “the most European of non-European countries” early in U.S. President Donald Trump’s trade war. Now, he’s hosting European leaders to pursue an unprecedented alliance, but the proposed EU “associate member” designation faces resistance even as the EU’s top official champions it.
European Commission President Ursula von der Leyen and European Council President António Costa are in Montreal for a two-day summit aimed at deepening trade, defense and economic ties as Canada and Europe seek to reduce their dependence on Washington in a changing world order.
Speaking in Montreal on Thursday, von der Leyen warned that economic relationships once considered sources of stability were increasingly being used as instruments of pressure. Without naming Trump, she described the consequences for ordinary families and warned that national sovereignty was under threat.
“When trade becomes a tool of economic pressure, it is families that pay the price, from the supermarket shelf to the cost of a new car,” von der Leyen said. “We are seeing in real time our sovereignty being attacked.”
She warned that dependence on a single supplier for energy, semiconductors or critical minerals could be exploited and said countries faced a choice between acting alone or working with trusted partners to protect their economic security.
Trump has suggested Canada’s proposed EU arrangement could be a “hostile act” and threatened tariffs on Europe if he considered it unfriendly. Asked Wednesday about possible retaliation, a senior Canadian government official told reporters the closer relationship was not directed against the United States but reflected longstanding shared interests.
The summit puts Carney’s vision for a new global order to the test. At the World Economic Forum in Davos, Switzerland, in January, he warned that the U.S.-led international order was breaking down and urged middle powers to unite against economic coercion.
Von der Leyen stands by her plan for Canada’s new status
The structure and even the name of the proposed partnership remain unsettled, with some EU member states questioning the “ associate member ” designation proposed last month by von der Leyen.
Despite resistance from EU member states, von der Leyen showed no sign of abandoning the idea.
“Canada cannot become a full-fledged member of the EU because of geography, but we both want to bring our relationship to the highest level possible,” she said. “This is why we are discussing the idea of Canada becoming the first associate member of the European Union.”
Von der Leyen described the proposed relationship as an “association without accession,” saying it could bring Canada closer to EU membership than any previous arrangement with a country outside the bloc.
She said the arrangement would deepen cooperation on everything from artificial intelligence and energy to defense and trade.
Anand Sundar, a special adviser at the European Council on Foreign Relations, said France and Germany are among the countries unhappy with the designation and that it may not survive the summit.
“The fact that member states have rejected the associate membership framing is very embarrassing for von der Leyen,” Sundar said.
More talks ahead, Carney said
Carney said Tuesday the summit would be followed by further negotiations over the next year.
“It doesn’t matter about specific names or nomenclature,” Carney said. “What matters is the difference that it will make to lives of Canadians.”
Carney said the partnership could create new opportunities for Canadian students, businesses and researchers while strengthening the country’s independence and sovereignty.
Carney has ruled out formally joining the EU, saying any enhanced partnership would require approval by Canada’s Parliament.
An alliance without membership
The summit is expected to launch an “Alliance for the Future,” a framework for closer cooperation on trade, defense, critical minerals, technology and research.
Von der Leyen said Canada and the EU would finalize an agreement Friday giving Canadian companies, startups and researchers access to Europe’s network of 12 advanced supercomputers, strengthening cooperation on artificial intelligence.
She also announced plans to strengthen strategic supply chains and encourage joint investment in industries critical to economic security.
The partnership could expand opportunities for Canadian students and researchers through the EU’s Erasmus+ and Horizon Europe programs and make it easier for professionals to work on both sides of the Atlantic.
European commissioners and Canadian Cabinet ministers will hold sector-specific meetings, beginning with a business forum Thursday before formal leaders’ talks Friday. Officials hope to develop the broader partnership for possible endorsement in 2027.
A changing world order reshapes economic and defense ties
Canada is the only non-European country participating in the EU’s 150-billion-euro ($167-billion) SAFE defense procurement program, allowing Canadian companies to take part in joint European military purchases.
But deeper defense cooperation faces obstacles. Sundar said France is pushing for strict “Made in Europe” rules that could limit Canadian companies’ access to future EU defense spending, while Germany favors broader participation. He said negotiations over the EU’s next seven-year budget could prove more consequential for Canada than anything announced in Montreal.
The two sides already have a sweeping free trade agreement, known as CETA, that eliminated most tariffs. Most provisions have been in force since 2017, although some EU member states have yet to ratify it.
The United States accounted for 71.7% of Canada’s merchandise exports in 2025. Carney wants to double exports to other countries over the next decade.
Canada and the EU are seeking closer cooperation on critical minerals as both sides work to diversify supply chains. Von der Leyen said the value of EU imports of Canadian critical raw materials rose 62% last year to 3.3 billion euros (C$5.18 billion), including lithium, cobalt, nickel and graphite.
Tobias Gehrke, a senior policy fellow at the European Council on Foreign Relations, said the disagreement over terminology was unlikely to derail closer cooperation.
“There is no magic shortcut to rapidly reducing Europe’s and Canada’s reliance on the U.S. economy and military — not least since Washington might retaliate,” Gehrke said. “But the political window is now wide open to take a much bigger step than was previously conceivable.2
The Bank of Canada raised its benchmark interest rate Wednesday in an effort to fight inflation. But for the nation’s housing market, the move is a heavy blow.
List of Providers for Amex Business Platinum Wireless Credit
American Express is making a change to the Business Platinum Card‘s $10 monthly wireless credit, and it could mean losing this benefit for cardholders who use smaller mobile carriers.
Starting February 17, 2027, only purchases made directly with 11 specific wireless providers will qualify for the credit.
Currently, the Business Platinum offers up to $10 in monthly statement credits, or $120 annually, for eligible wireless service purchases made directly with U.S. wireless providers. Enrollment is required.
Which Wireless Providers Will Qualify?
Beginning February 17, 2027, the credit will be limited to purchases made directly with these providers:
Verizon
AT&T
T-Mobile
Frontier
Comcast
Charter
Spectrum Mobile
UScellular
Optimum
Ultra Mobile
Mint Mobile
If your wireless provider isn’t on this list, your payments will no longer qualify for the monthly credit under the new terms.
Guru’s Wrap-up
This is another disappointing change for Business Platinum cardholders which will affect those who use lower-cost wireless providers.
This is the same limited list of providers that will also apply to the Business Gold 4X wireless category.
It’s a question as old as however old management consulting is: what exactly do consultants do all day? In our first-ever “case study” Dan investigates the world of consulting with help from two New York Times reporters and a former BCG consultant.
Video by Dan Toomey and Henry Stockwell
Additional camera by Evan Frolov
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This Q&A is gleaned from articles published in Enterprising Investor on this subject within the past 100 days. These articles are linked below.
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Private credit, governance, transparency, and the challenge of measuring performance.
An HBR Executive Live conversation with David M. Rubenstein. by Adi Ignatius
October 28, 2026
In professional sports, as in business, spending money and assembling talent don’t guarantee success. You have to build an organization that can compete, make decisions under uncertainty, and earn fans’ loyalty.
