I Noticed My Paychecks Were Short. I’ve Been Wage Garnished for a Student Loan. – Becca

“Dear Steve,

Recently I noticed my pay checks was short by several hundred dollars each pay period. After talking to payroll I was told and then saw I was being garnished for repayment of a student loan. I have never recieved ANY paperwork either from the DE or my employer. When I have asked my employer for more information they give me a 1800 number for loan repayment. They have taken nearly 2000 dollars from me and withheld my entire federal income tax for a loan that was only 7000.

I live in Colorado and would like to know if it is legal for my employer and/or the Department of education to garnish 15% without notification to me first?


Dear Becca,

Did you call the number and inquire about the garnishment? It sounds like you did owe a student loan and they do have the ability to garnish your wages without first taking you to court.

See My Wages Were Garnished for a Student Loan Without Taking Me to Court. – Pamela for details on this.

At the very least you should have been notified in advance of the garnishment. I wonder if they have an old address for you on file and sent the notice there?

Please update me on your progress by

You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

2 thoughts on “I Noticed My Paychecks Were Short. I’ve Been Wage Garnished for a Student Loan. – Becca”

  1. I have called the number they gave me but you cannot get to a real person. My information is correct and current with my employer. I don’t understand how it is legal for an employer to not have to inform you.

    • Becca,

      I don’t believe it is the responsibility of the employer to inform you, although they should. The employer is acting under a legal order or authority and must carry out the order, not fight it.



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