I’m a 68 yr old grandma of 2 young (10/14 yr old) grandchildren. I went to college to upgrade my employment status in 1998 or 1999, I don’t remember. I finished in 2000 and at that time had a student loan balance of about 3500.00.
Could not find a job and had to request forbarence to carry me. Over the years I forgot about the loan, dealt with poor health, had brain surgery in 2006 and the collection agents decided to collect for the loan in 2008.
Mind you, at no time during the 6-7 year gap did anyone remind me or let me know that I could make a minimum payment on the loan. Now that I am on Social Security, ( have been since I was 62) they have decided to garnishee my SS check to the tune of 15%.
I have not been employed since 2004 and have the two dependents who are not included on my check. I do not have enough income to have them take that amount of money from an already insufficient monthly income.
I don’t dispute that I owed them the 3500.00 but am wondering why they let it build up to somewhere around 17,000/20,000 before they attempted to collect. When I tried to reach some agreement with the collection agency they said I would hve to pay at least 250.00 per month and I just could not afford that.
I might add that they informed me of the offset to my check about 3 months before it was to happen. I have requested an appeal but have no response as yet. I have not even filled out any hardship forms.
I have an attorney (I think) looking into this but he gives me no response as yet. I have been looking for part-time work but I think that because of my 13 pages of student loan on the report no one is willing to hire me. The even have the wrong dates on the report. It is reported like it just happened recently (06, 07) and that is not true. My associate degree is dated December 2000.
Is there anything I can do to relieve some of this pressure as my granddaughter is graduating from middle school in may and going on to high school and I expect to have lots of expenses.
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The AnswerI'm a Grandmother and Getting My Social Security Check Garnished For Student Loans. - Janis by Steve Rhode