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Tell Me How to Stop the Social Security Garnishment for Student Loans

Written by Steve Rhode

“Dear Steve,

My husband receives social security disability and his monthly check is being garnished for student loans. I am unemployed and my husband receives $1,013 per month in disability. Of this amount $30 is withheld for repayment of an overpayment from his initial payment from social security and $150 is being withheld for his student loans, which began in September 2014. We have no other income.

My question is can we get this garnishment removed or get the amount adjusted?


Dear Cris,

You should have received a letter warning you of the pending garnishment. That letter should have told you about your rights to appeal or eliminate the garnishment. But don’t worry, it’s not too late.

I think my article, How to Easily Stop a Social Security Wage Garnishment will give you the details you need to request a review of the garnishment.

But additionally, you should also tackle the outstanding student loans with an Income Based Repayment program. Based on your description of your financial situation, your monthly payment on the student loans using the Income Based Repayment program would be $0 a month and keep you out of garnishment in the future.

For details on how to pursue this solution for your student loans, see The Ultimate Guide to Dealing With Student Loans You Can’t Afford.

If you invest a bit of time here you will be able to stop the Social Security wage garnishment and prevent it moving forward.

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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