Transcript Highlights:

• equipment that they are purchase equipment that they are obligated<00:08:35.560><c> to</c><00:08:35.800
• </c> required to purchase required to purchase via via via um um um the<00:08:46.680><c> permitting</
• They never actually purchase the property, and it's just basically doing real estate without having a
• ><c> the</c> They never actually purchase the They never actually purchase the property,<00:39:03.560
• </c><00:51:50.040><c> of</c> disposal, reduces cost for purchasing of disposal, reduces cost for purchasing

Keywords: 916, all

Summary: The joint Minerals Committee met to select interim topics and announced its meeting dates for April 27-28 in Casper, June 4-5 in Casper, and August 27-28 in Cheyenne. Members heard public testimony on several economic development and minerals-related topics and were asked to identify their top priorities for later ranking and consensus. No formal votes were taken during this portion of the meeting. A major topic was removing obstacles to energy development in Wyoming, including possible regulatory, bonding, and permitting barriers. Testimony from the Mining Association and Energy Capital Economic Development supported revisiting barriers to development, similar to the earlier Regulatory Reduction Task Force. Another related topic was industrial siting exemptions on coal mine property, with testimony arguing that mineral-related projects such as rare earths, uranium conversion, and ferroalloys should not have to go through the full industrial siting process when communities have already dealt with similar development. Members also discussed industrial siting bonding requirements, including whether bonding or advance payments should be used to cover impacts on local services and emergency response, especially for projects like solar farms or battery storage. The committee also discussed coal bed methane industrial sovereign zones, tied to House Bill 120, with testimony seeking to include coal bed methane in value-added manufacturing zones. The sponsor said the goal was to create industrial zones that support economic development while protecting scenic values and limiting industrial sprawl. Another topic was sourcing curling stones in Wyoming, which was presented as a lighthearted but potentially useful way to promote Wyoming stone and broader dimension-stone quarrying; a state geologist testified that Wyoming has granite with similar mineralogy to stone used for curling stones elsewhere. Child care as an economic driver was withdrawn. The committee also heard support for a Business Council restructure review, though several members said the Minerals Committee should do the substantive review because the Business Council falls within its jurisdiction, while still coordinating with Appropriations. Finally, the committee heard a proposal for a domestic preference in residential general service contracts, extending Wyoming preference concepts beyond construction into goods and services, with testimony emphasizing local economic multipliers and possible exceptions for federal funding or other procurement limits.

Transcript Highlights:

• </c><00:27:24.760><c> of</c> sure that we continue our purchasing of sure that we continue our purchasing
• The Legacy Lands purchase program is supported by that income as well.
• Legacy and purchases um you know as well Legacy and purchases um you know as well okay<00:29:45.480><
• to protect land is purchase our um need to protect land is really<00:30:36.600><c> strong</c><00:30:
• </c><00:59:50.000><c> of</c> lands and um I think the purchasing of lands and um I think the purchasing

Keywords: 912, senate, all

Summary: The Committee on Water and Land heard confirmation nominations for several DLNR-related boards and commissions, including GM 530 for Karen Ono to the Board of Land and Natural Resources, GM 582 for Jay Kenan to the Natural Area Reserves System Commission, and GM 584 for Adrien Trulock to the Hawaii Historic Places Review Board. The chair repeatedly noted the volunteer nature of these positions and said the committee would take up decision-making after hearing all nominees. Testimony and comments for each nominee were generally supportive, with agency representatives praising their preparation, experience, and willingness to serve. For Karen Ono, DLNR and several supporters from Kauai testified in favor, describing her as highly prepared and effective on the board. Senators questioned her about DLNR land use, especially state lands near rail stations and whether they should be used for affordable housing rather than commercial development. Ono said she had not taken a board position on those specific proposals because they had not yet come before the board, but she acknowledged the importance of housing and infrastructure. She also responded to questions about DLNR’s management of transferred agricultural lands, saying concerns about the department’s ability to manage such lands had been raised before and remain relevant. One senator expressed strong reservations about the nomination based on the land-use answers. For Jay Kenan, the NARS Commission testimony focused on the commission’s role in advising on land management and conservation policy. Kenan said he hoped to continue helping evaluate properties and policies, and he identified funding and staffing as the main challenge. DLNR staff explained that the position supporting NARS had been abolished and that the department had limited capacity to restore it because other priorities, such as fire-related positions, were taking precedence. The committee also discussed a separate bill affecting Legacy Lands funding through conveyance tax revenues, with members and agency staff expressing concern that the measure could reduce support for land संरक्षण efforts. For Adrien Trulock, SHPD and DLNR staff strongly supported the nomination, citing her preservation background and experience with historic properties. Members discussed the importance of her expertise for reviewing nominations and appeals and for helping with preservation planning. The committee also raised broader concerns about delays in historic-place designations and the difference between state and federal review processes; SHPD explained that board approval places a property on the state register, while federal National Register review can still require revisions and cause delays. No final votes or confirmations were taken during the portion of the meeting provided.

Transcript Highlights:

• </c><00:22:11.679><c> I</c><00:22:12.000><c> would</c> purchasing assistance, and more.
• I would purchasing assistance, and more.
• or milk purchaser wouldn't be subject<00:58:48.559><c> to</c><00:58:48.799><c> the</c><00:58:48.960>
• Um that was not a milk purchaser.
• And this this milk purchasing license.

Committee: Senate Agriculture, Veterans, Broadband, and Rural Development

Keywords: 1187, senate, all

Transcript Highlights:

• This is about direct purchasing and direct contracting with China, a direct Chinese entity.
• Or you can take a three-day class through one of the schools in our state.
• Hey, if you don't do traffic survival school, you're going to get suspended.
• Traffic survival school by X date.
• Hey, if you don't do traffic survival school, you're going to get suspended, etc.

Summary: The committee first heard House Bill 2134, which would create the Arizona Critical Infrastructure Protection Act to bar state and critical infrastructure entities from contracting with the People’s Republic of China or Chinese companies for access to Arizona critical infrastructure, and to prohibit Chinese-produced software in critical infrastructure. The sponsor and a witness from State Armor argued the bill was needed to reduce cyber and sabotage risks and to align Arizona policy with national security concerns. Some members questioned costs, overlap with federal law, and the Corporation Commission’s capacity, but the bill was approved on a 6-4 vote for a due pass recommendation. The committee then considered House Bill 2051, which would require AHCCCS contractors, subject to federal approval, to cover breastfeeding and lactation care services and, under a proposed amendment, create a voluntary state certification for lactation care providers through the Department of Health Services. Testimony from lactation consultants, maternal health advocates, and researchers emphasized improved maternal and infant outcomes, access gaps for Medicaid families, and potential cost savings. AHCCCS and ADHS were neutral but noted implementation costs and the need for CMS approval; the committee adopted the amendment and gave the bill a 9-0 due pass recommendation. House Bill 2700 would establish a 15-member technology-first study committee focused on assistive technology for people with disabilities, with an amendment adding appointments by legislative minority leaders. Supporters said the committee would help Arizona catch up on assistive technology, improve independence, and address staffing shortages and aging-population needs. The committee discussed the amendment and then approved the bill 9-0. House Bill 2800, which would increase penalties for knowingly lending a vehicle to a person with a DUI-related driving restriction if that person later causes serious injury or death, drew extensive debate over whether the felony penalty was too broad; the sponsor and family members of a victim supported it as a targeted deterrent, while some members raised due process and knowledge concerns. It passed 9-1. House Bill 2114, which would use motorcycle safety fund money for scholarships for rural and low-income riders and require at least one registered owner to have a Class M license before a motorcycle registration is issued, received supportive testimony from the sponsor, motorcycle advocates, and safety supporters; members noted a possible wording issue with existing endorsements, but the bill passed 10-0. The committee also took up House Bill 2127, a large special-plates bill that had been expanded into an omnibus measure; after discussion of a Kavanaugh amendment removing a duplicate Grand Canyon plate and withdrawal of an Alston amendment, the committee adopted the Kavanaugh amendment and gave the bill a due pass recommendation.

Transcript Highlights:

• And every time, food bank, SNAP, and school meals are the top three.
• And SNAP helped me survive while I finished high school and continued my education.
• They'll lose their eligibility for free school meals, directly certified school-age kids for Summer EBT
• We're piloting a wing right now at Green Hill School. It's working very well.
• That's the extent of what they can do beyond high school in terms of education.

Summary: The committee heard testimony on the effects of H.R. 1 on Washington’s Medicaid, developmental disability, long-term care, and food assistance systems, followed by a separate discussion of juvenile rehabilitation caseloads and placement capacity. DSHS officials said HR1 could affect home equity rules, immigration-related eligibility, work requirements for some expansion-population enrollees, and provider taxes, while also creating a future opportunity for a new 1915(c) waiver. Advocates and providers warned that any state response that cuts home and community-based services would worsen already thin provider networks, increase waiting lists, push more people into hospitals or out-of-state placements, and strain families and workers. A pediatric behavioral health expert and a supported living provider said Medicaid reimbursement is already too low and further reductions would threaten outpatient, residential, and inpatient services for people with intellectual and developmental disabilities and severe behavioral needs. The committee then turned to SNAP and the state food assistance program. DSHS said HR1 would tighten work requirements and exemptions, end some immigrant eligibility for the federal program, eliminate the SNAP education program, raise state administrative costs, and eventually require Washington to share in benefit costs based on its error rate. Officials estimated large numbers of residents could lose or see reduced benefits, with significant added state costs. Anti-hunger advocates, a food bank director, and a SNAP recipient described the program as essential for low-income families, seniors, and people with disabilities, and said the changes would increase paperwork, reduce benefits, and worsen food insecurity while also harming local food economies. Testimony emphasized that food banks cannot replace SNAP and that work requirements may be difficult to meet for caregivers, people with disabilities, and those facing child care or transportation barriers. In the juvenile justice portion, the Caseload Forecast Council presented the JR forecast, which is currently mostly flat through the end of the biennium but expected to grow modestly over the longer term. Members discussed how policy choices, including the 2019 JR-25 law, have increased lengths of stay for adult-sentenced youth in JR, while diversion and other reforms have affected regular JR trends. A court researcher explained the data available to help forecast admissions and noted ongoing efforts to improve data sharing with JR, AOC, and county systems, though staffing and system-lag issues limit how quickly data can be produced. Juvenile court administrators and DCYF officials described the community-based juvenile justice continuum, rising complexity in the JR population, overcrowding at Green Hill and placement constraints at Echo Glen and Harbor Heights, and the need for more flexible community transition and mental health capacity. No votes were taken.

Transcript Highlights:

• I may have opportunities to start that customer early, bridge capacity, make purchases in the market,
• I may have opportunities to start that customer early, bridge capacity, make purchases in the market,
• I may have opportunities to start that customer early, bridge capacity, make purchases in the market,
• </c><03:44:44.720><c> And</c><03:44:44.880><c> then</c> the purchase of the lot cost.
• And then the purchase of the lot cost.

Committee: Joint Corporations, Elections & Political Subdivisions

Keywords: 916, all

Transcript Highlights:

• </c><01:29:05.520><c> Job</c> would not have been purchased. Job would not have been purchased.
• </c> uh purchasing and smoking marijuana. uh purchasing and smoking marijuana. and<02:08:58.719><c> he
• </c><03:05:14.800><c> a</c> scenario be forced to be purchasing a scenario be forced to be purchasing
• </c><04:22:42.239><c> these</c> motans or people are purchasing these motans or people are purchasing
• Um for people to purchase these systems.

Keywords: 1187, senate, all

Transcript Highlights:

• the school.
• the school.
• the school.
• and middle school athletic coaches and assistant coaches employed by a school district or charter school
• Minneapolis schools member school board.

Committee: Senate Education Policy

Keywords: 1187, senate, all

Transcript Highlights:

• Number two is the school for the Blind graduation rate, and 3 is the school for the deaf graduation rate
• OK, that improved a great many of the school districts or of the of the schools in Oklahoma City, but
• The schools do not get any ad valorem taxes.
• So, both schools are obviously schools.
• So, they have to do the School of the Blind, the School of the Deaf, Oklahoma School of Science and Math

Committee: House A&B Human Services Subcommittee

Keywords: 914, all

Transcript Highlights:

• We purchase our steel from, or still an aluminum from a local Bellingham company called Morrisville.
• They purchased their aluminum we use from post-aluminum based out of the Portland area.
• They test everything and use a max lead level of 50 parts per million, and they purchase.
• They purchased their aluminum we use from post-aluminum based out of Portland area.
• They test everything and use a max lead level of 50 parts per million and they purchase.

Committee: House Environment & Energy

Keywords: 904, all

Transcript Highlights:

• We purchase our steel from, or still an aluminum from a local Bellingham company called Morrisville.
• They purchased their aluminum we use from post-aluminum based out of the Portland area.
• They test everything and use a max lead level of 50 parts per million, and they purchase. year and we
• They purchased their aluminum we use from post-aluminum based out of Portland area.
• They test everything and use a max lead level of 50 parts per million and they purchase.

Summary: The committee heard testimony on two main bills. ESSB 5975 dealt with lead limits in cookware and a proposed striker that would shift more of the standard-setting and testing process to the Department of Ecology under Safer Products for Washington. Supporters, including industry groups, Ecology, the Department of Health, and environmental advocates, said the striker would provide clearer, science-based, and more workable standards while still reducing lead exposure. Some witnesses, including environmental groups, argued the bill should remain stronger, while others said the striker was an acceptable compromise. No vote was taken on the bill during the hearing. The committee also heard extensive testimony on ESSB 5360, which would create tiered criminal penalties for violations of the Water Pollution Control Act, Clean Air Act, and Hazardous Waste Management Act, including felony penalties for knowing or negligent conduct in certain circumstances. The prime sponsor and Attorney General’s Office said the bill targets egregious polluters, adds whistleblower and worker protections, and responds to serious environmental harm cases. Tribal, environmental, and advocacy witnesses supported the bill as a way to hold repeat polluters accountable. Labor, business, industry, county, utility, and forestry representatives opposed it, warning that the language could expose workers and permit holders to criminal liability for mistakes or routine operations and that the bill needed more stakeholder work. At the end of the meeting, the committee took executive action on Substitute Senate Bill 6269, which updates the Motor Fuel Quality Act by modernizing the definition of motor fuel and folding alternative fuels into that definition. The bill passed the committee on a 19-0 vote, with two members excused, and was reported out with a do-pass recommendation.

Transcript Highlights:

• enforcement in schools by the beginning of the 2027-28 school year.
• Law enforcement, public schools, and courthouses.
• My name is Jonah, and I'm a high school student from Lake Washington High School in Kirkland.
• My name is Jonah and I'm a high school student from Lake Washington High School in Kirkland.
• I'm not compelled by my school or any other organizations.

Summary: The committee heard public testimony on four bills. SB 5925 would expand the Attorney General’s civil investigative demand authority to investigate possible violations of the U.S. and Washington constitutions, certain labor and civil rights laws, law enforcement use-of-force issues, and jail-related statutes. Supporters, including the Attorney General’s office, Teamsters 117, and Working Washington, said the bill would make investigations faster and more effective, especially in wage theft and discrimination cases. Opponents, including police, sheriffs, cities, counties, and retail and business groups, argued it would give the AG broad investigative power without enough threshold showing, could burden local governments and employers, and raised constitutional concerns about speech and search protections. No vote was taken. SB 5906 would codify and expand protections for non-public spaces in schools, child care facilities, health care facilities, higher education institutions, and county auditor election areas by limiting immigration enforcement access without a judicial warrant or court order and restricting collection of immigration-related information about students and families. Supporters said the bill would reduce fear, protect privacy, and make existing Keep Washington Working policies clearer and more durable, with testimony from immigrant rights groups, faith organizations, students, PTA, and health advocates. Some organizations, including health care and child care stakeholders, supported the goal but asked for amendments to clarify definitions, create model policies, add training and enforcement provisions, and adjust warrant/subpoena language. The committee also heard strong opposition concerns about federal immigration enforcement, but no action was taken. SB 6070 would expand missing-person tools by allowing certain digital investigative tools to be used in missing endangered person cases, creating new Abney and Purple Alerts for missing Black people and people with disabilities, and broadening the definition of missing endangered person. Supporters included prosecutors, law enforcement, tribal and disability advocates, families of missing persons, and students who argued that faster alerts and better digital tools save lives and address racial and disability disparities in missing-person responses. Testimony described delays in prior cases and the need for more urgent, targeted alerts. The committee then heard SB 6002, which would regulate automated license plate reader systems, set registration, use, retention, audit, and disclosure rules, and prohibit certain uses such as immigration enforcement and surveillance near protected locations. The sponsor said the bill is intended to create statewide guardrails for a technology already in use, and testimony was expected to continue after the excerpt ended; no vote or final action was recorded in the portion provided.

Transcript Highlights:

• </c> purchased by the public. purchased by the public.
• This is what would affect your middle school band, your middle school CTE, your middle school PE, your
• 40.640><c> school</c> middle school PE, your middle school middle school PE, your middle school music
• </c><01:06:26.480><c> we</c><01:06:26.720><c> have</c> school how many school districts we have school
• </c> that go to these schools. that go to these schools.

Keywords: 916, all

Transcript Highlights:

• But I am speaking out in school a little bit on that, because I'm not a solid waste guy, and I'd be happy
• He went to school for 12 years, and there are a lot of opportunities.
• He went to school. He had a family. He went to school. I'm going to give a shout out to Thor.
• He went to school. Every single night and on weekends, and they paid for everything.
• With the MBA for the Anderson School at UNM, those classes are offered, so they have a cohort that are

Committee: Joint Radioactive & Hazardous Materials Committee

Keywords: 996, all

Transcript Highlights:

• Okay, so is purchasing property on Oahu allowed?
• So is the $54 million already spoken for, or is that something that HEMA is looking to use to purchase
• I don't know if it's being proposed to use to purchase property on Oahu, but the $54 million was pretty
• </c> that haima is looking to use to purchase that haima is looking to use to purchase property<00:29
• </c> being proposed to use to purchase being proposed to use to purchase property<00:29:55.080><c> on

Keywords: 912, senate, all

Transcript Highlights:

• We estimate around 6,500 licenses would not have been purchased if filed electronically.
• And as a public school mentor and football coach, we watched as parents would neglect getting help because
• which means they are often without legal authority to make decisions like enrolling the child in school
• children in kinship care situations, compared to children in foster care with non-kin, have better school
• caregivers and what they can and cannot consent to in terms of medical treatment or enrollment... in school

Bills: HB557 , HB732 , HB1892 , HB1954 , HB2301 , HB3180 , HB3405 , HB3650 , HB3758 , HB4035 , HB4621 , HB4795 , HB4870 , HB5069 , HB5137 , HB5149

Committee: House S/C on Family & Fiduciary Relationships

Keywords: child support, arrears, court enforcement, contempt, legal protections, healthcare, insurance, cost reduction, accessibility, regulations, impotency, marriage annulment, Family Code, Texas law, family law, Texas legislation, dissolution of marriage, annulment, marriage, child custody

Transcript Highlights:

• He's in the religious community, and he's a great leader for Emmanuel Christian School.
• If the Senate could please make my friends from Emmanuel Christian School feel welcome.
• He's in the religious community, and he's a great leader for Emmanuel Christian School.
• or high schools and participate in athletics.
• or high schools and participate in athletics.

Keywords: 994, senate, all

Summary: The Senate met on March 11, 2026, with prayer, the Pledge of Allegiance, journal approval, and numerous guest and page introductions, including school groups, prayer caucus visitors, and advocates for Home Family Education Day and Women in Blue Day. The chamber then took up committee reports and a large number of House bills, most of them on third reading, along with several resolutions and referrals. Senate Resolution 62, designating March 12, 2026, as West Virginia Athletic Trainers Day, was adopted after remarks emphasizing the value of athletic trainers in preventing injuries and tragedies in school sports. Several other resolutions and concurrent resolutions were referred to the Committee on Rules or laid over under the rules. The Senate passed a wide range of bills addressing economic development, public safety, health, licensing, and state administration. Measures approved included bills on the West Virginia Collaboratory at Marshall University, the Business Ready Sites program, volunteer fire company spending authority, the Load Forecast Accountability Act, funeral service licensure, work zone fines, biennial business reporting, correctional officer retirement law, the Right to Try Act, quick claim deed tax exemptions, an ibogaine drug-development grant program, aggravated vehicular homicide sentencing, 529 savings plan definitions, opportunity zones, barber apprenticeship, municipal and county hotel occupancy fund uses, criminal-record licensing standards, intimate image disclosure remedies, executor training materials, contempt penalties, PEIA treatment flexibility, PANS/PANDAS information, the Respiratory Care Interstate Compact, capitation rate review expansions, convention and visitors bureau board membership, peer support services, cosmetology licensure compacts, natural resource police retirement, DNR fee indexing, ALS care services, the Neighborhood Investment Program, oil and gas well plugging and carbon capture-related provisions, DUI technical changes, abuse intervention program terminology, and a youth summer employment and career readiness program. Most bills passed overwhelmingly, with a few closer votes, including the Load Forecast Accountability Act and the DNR fee-indexing bill. Several bills were amended on the floor, including title amendments and strike-and-insert changes. The Senate also debated the work zone penalty bill, with supporters citing worker safety and fatalities and opponents arguing the bill increased fines too much without requiring removal of outdated work-zone signs. On the energy-related load forecast bill, senators discussed the inclusion of provisions from Senate Bill 420 and concerns about coal plant utilization and utility impacts. After debate, the Senate adopted amendments and passed the bill. In most cases, after passage the Senate ordered the bills communicated to the House, and for a few measures it also adopted title amendments or made bills effective from passage or on a specified date.

Transcript Highlights:

• Like this morning, I drove my kid to school, dropped them off, you know, came over here.
• I mean, this is not old school corrections; this is new school corrections.
• Everybody's going to school. It's something that you want for yourself.
• I was going to school. I was working a culinary, and I also had a job at DOT case.
• Need to go through, you know, school-to-prison pipeline or whatever.

Keywords: 1212, all

Summary: The Special Commission on Correctional Consolidation and Collaboration met to approve prior minutes and then heard extensive testimony focused on reentry, programming, and the differences between Department of Correction facilities and county sheriff programs. Much of the testimony came from incarcerated or formerly incarcerated people describing how county facilities offered education, treatment, work release, identification documents, housing help, and reentry planning that they said were often unavailable or harder to access in state DOC settings. Several witnesses emphasized that these programs helped them obtain sobriety, employment, family reunification, and parole readiness, while others said they needed more time, mentoring, or transitional support before release to make the most of those services. Witnesses from Hampshire, Barnstable, Hampden, and Franklin counties described specific programs such as high school/GED completion, college courses, culinary arts, vocational training, recovery groups, therapeutic treatment, and community-based reentry centers. Many said staff treated them with dignity and that the facilities’ culture encouraged accountability and personal change. A few witnesses also noted that some programs were not a fit for their needs, especially for people without substance-use issues or for those whose mental health needs were not adequately addressed. One Barnstable witness said she returned to custody within 48 hours of release because she was not mentally prepared for reentry, and another from Framingham said mental health support was insufficient and visitation restrictions worsened her experience. Commissioners asked follow-up questions about DOC access to programming, classification barriers, reentry preparation, and visitation policies. Several witnesses said DOC programming was limited by sentence length, classification status, or program waitlists, and that some people were steered into programs that did not match their needs. A number of commissioners and the sheriff present responded by stressing the importance of wraparound services, individualized planning, and hiring formerly incarcerated staff. No votes or formal actions were taken beyond approving the minutes and receiving testimony.

Transcript Highlights:

• What about post students from our medical school here in New Mexico who are practicing currently?
• But if someone has medical school loans that are less than $75,000 a year, Madam, Mr.
• Chairman, at my local high school in Farmington, At my local high school in Farmington, we have an aviation
• Are you guys familiar with aviation career pathways in our high schools?
• So, and just to be clear, this is a premium surtax for everyone who purchases.

Bills: SB241 , SB145 , HB2

Committee: House House Appropriations & Finance

Keywords: child care, child care assistance, child care subsidy, early childhood education, early childhood care, daycare, preschool, pre-K, Head Start, Early Head Start, Children's Code, early childhood education and care department, ECECD, child care facilities, licensed child care, registered child care, copayments, waitlist, subsidy, federal poverty level

Transcript Highlights:

• facilities, buildings in connection with court proceedings and mental health facilities, as well as schools
• , both primary and secondary school premises or school transportation, and including child daycare centers
• It continues to remain unlawful for a person to carry a spring blade knife into school premises or school-provided
• It removes outdated language while maintaining clear restrictions in sensitive places like schools, child
• I think this is an area where we could get our Washington to put together a study, our law schools.

Bills: SB5962 , SB6105 , SB6203 , SB6296

Committee: Senate Law & Justice

Keywords: spring blade knives, knife legislation, weapon regulation, public safety, law enforcement, medical debt, garnishment, wage garnishment, earnings exemption, exempt wages, debt collection, consumer debt, student loan debt, private student loans, disposable earnings, minimum wage, writ of garnishment, exemption claim, judgment debtor, creditor