Get Out of Debt Guy

How Can I Stop My Student Loan Garnishment?

Posted March 6, 2014

WRAL Reader Question

Dear Steve,

I tried to get a lower payment option on my student loans several times. Each time they asked more than I could afford to pay. So, I just did not pay anything. I hid from the reality that this would catch up with me. I am now in garnishment. I did not receive anything because I have a postal worker who likes to play a game of today you get mail tomorrow you may not. (this has been addressed several times with the post office).

I can not afford the garnishment amount even though they think I can. I can not afford to pay a monthly amount to the collector on top of my garnishment for 10 months to get out of garnishment. What can I do to get this taken off? Also, I am a nurse and was told that there are programs to help people working for a non-profit agency. Please help me!


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Dear Sarah,

Well the most critical item I needed to know is if this is a private or government backed student loan. For private student loans your options are limited at best but you can click here to learn what options are available.

But if this is a government student loan I would urge you to call your servicer or Department of Education. Hopefully the administrative wage garnishment is relatively new and you can still appeal the amount if it is too much for you. The servicer or DOE should explain to you how to do this.

It is true that some public service can lead to loan forgiveness of federal loans. The program you are looking for is probably the Public Service Loan Forgiveness (PSLF) program. Under that program, you have to make 120 full monthly payments and you should look at the program requirements now to make sure you can be eligible once you get your loan out of default. 

If you want to become eligible for this federal loan program you'll need to get your loans out of default. One option would be to look into the federal Direct Loan program and consolidate them.

Again, without more information all I can hope is these are federal loans that would be eligible.


Steve Rhode
WRAL Get Out of Debt Guy

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About this Blog:

Steve Rhode has had careers in opthalmology, real estate and as the head of a nonprofit debt counseling firm. On his blog, he offers hard-won, free advice about getting out of debt, consolidation and making the right choices as you manage your money.