Ask The Get Out of Debt Experts Student Loans

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.


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.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


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