Student Loan Wage Garnishment

Stop unfair wage garnishment Keep your tax refund,

get out of default

    Why work with Student Debt Modification?

  • We’ve been in business for over 9 years, with a 100% successful rate helping borrowers overcome their student loan debt.
  • If we can’t offer you a 100% guarantee, we want to take you on as a client. However, our Free consultation will be an educational experience.
  • Our mission is to help borrowers get out of default. We know the in-and outs of the collection process.

Request a FREE consultation today

How to Avoid Wage Garnishment

Make Your Payments on Time

Consider setting up electronic deposits to secure you are never past due or miss a payment. Look into Other Repayment Plan Options.

Look into other Repayment Plan Options

Income-driven repayment (IDR) plans are designed to make your student loan debt more manageable by reducing your monthly payment amount.

Request Deferment or Forbearance

If you’re in a tight financial crunch, you may qualify for a deferment or a forbearance. However, there are two important things to consider: In most cases, interest will accrue.

How to Stop Student Loan Wage Garnishment

Get Out of Default

If the intimidation of student loan wage garnishment is hovering over your head. You still have choices that will help you gain control of your student loan indebtedness and stop wage garnishment

Student Loan Rehabilitation

One option for getting your loan out of default is loan rehabilitation. You must agree in writing to make nine voluntary, reasonable, and affordable monthly payments within 20 days of the due date, and make all nine payments during a period of 10 consecutive months. Under a loan rehabilitation agreement, your payment amount that is equal to 15 percent of your annual discretionary income, divided by 12. When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. You’ll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and you’ll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Claim Financial Hardship

If wage garnishment is causing a financial hardship for you and/or your household, you can demand a hearing. You’ll need to show not only that you are unable to pay, but that your monetary position has considerably evolved due to injury, a divorce or a cataclysmic illness. If you are unfit to provide for your basic living expenditures and can show there is a financial hardship, the wage garnishment may be suspended.

Get Help From an Expert

Getting an order of intent to garnish your wages can be extremely troublesome. You may not know what to do or if you have any workable rights–that’s why employing an expert makes sense. At Student Debt Modifications, we’ll make sure that the information contained in the letter is correct, that you know your rights, and figure out the options you have for ending wage garnishment.

Our Three-Step Process

Initial Consultation

We will get to know you and the circumstances of your situation,including your lenders,employment and financial obligations.

Review & Analysis

Next,we will gather information on loan status,balances and payment history,so we can identify the finest solution for you.

Get Started

Once we have analyzed your situation,we will go to work, and help get you out of default.

Know your rights and keep the government off your back

If you are in crisis of student loan delinquency and are dealing with wage garnishment, you have the right to:

Don’t Let Student Loan Wage Garnishment Ruin Your World. Call us now for your FREE initial consultation.

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Disclaimer: Student Debt Modifications is a private, student loan resolution services company and not affiliated with the U.S. Department of Education (DOE) or any other government agency. We help prepare and process the application for student loan consolidation and repayment programs offered by the DOE.

You can apply for loan consolidation or other repayment programs without paid assistance at no cost through the Department of Education (DOE) at
We are not a law firm nor are such representations being made.