Congress will consider overhauling debt collection in the $100 billion-a-year US student loan program, replacing it with automatic withdrawals from borrowers’ paychecks tied to their income — a system­ used in Britain.

A bill that Representative Tom Petri, Republican of Wisconsin, plans to introduce would require employers to withhold payments from wages in the same way they do taxes. Payments would be capped at 15 percent of the borrower’s income, after basic living expenses.