Should I Just Wait for My Social Security Income to be Garnished for the Student Loans? – Mari

“Dear Steve,

I am 69 years old and live on Social Security. I returned to school 2 years ago and recently graduated with an Associates of Science degree. I have difficulty in finding a job in my field which is Early Childhood Education. Additionally, I have arthritis on my left hip and my left knee and leg pain terribly to walk.I am exploring a work at home situation of about 25 hours per week.

Can I arrange repayment of my school loans to be deducted from my Social Security income? Or should I simply wait for my income to be garnished? What percentage is garnished and/or what percentage of my SS income would I be required to repay the loan. Can I request a deferment on my loan? Thank you.


Dear Mari,

I need to know more about your student loans first. Are these loans private or government backed student loans?

Please post your responses and follow-up messages to me on this in the comments section below.


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