Suspends most administrative wage garnishment of a borrower's disposable pay immediately and keeps that suspension in place until the Secretary of Education certifies to Congress that required protections and processes are in place. The Secretary must either implement processes (including quick refunds for improper garnishments, employer verification, and the ability to suspend garnishment) or determine that garnishment will not apply to affected individuals. The amendment also creates rules for a centralized garnishment database, spells out employer responsibilities and potential liability, provides a remedy for double payments from improper garnishment, and limits garnishment of a loan to 10 years.