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I Am a Special Education Teacher and Facing a Wage Garnishment for My Student Loans. – Lucinda

Written by Steve Rhode

“Dear Steve,

I am an special education teacher, been teaching 9 years. My student loans have been garnished, taxes taken as well for the last three years. with the incoming coming out of my paycheck, i lost my apartment twice. The second time, i had lost my teaching certificate for a few months and job position. I am not teaching again, special education again in a high risk high school. I had to move in with my dad. I just got my own apartment.

They have not started to garnish my check again, as I am working for a charter school, not with the county school district. I can’t afford to lose my apartment again. I have an 11 year old daughter, and there is no place to move to if i lose my apartment. As my dad sold the house he lived in and moved in with my nephew. My husband has been out of work, and has recently left.

How do i find good legal help to help me fix this mess? I don’t know who to call for help? Can you help?


Dear Lucinda,

What kind of loans do you have? Are they a mixture of government backed and private? Can you give me some more details please?

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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