I’ve Had a Student Loan Wage Garnishment for 18 Months That I Need Stopped


Dear Steve,

My student loans are being paid through garnishment of my wages. I was in default, did not receive notice of the garnishment and have now paid for more than 18 months.

I have a chronic illness, but am not “disabled.” I work full time with $0.01 in savings and can not afford the $524 monthly coming out of my salary.

I did file bankruptcy, due to medical debt, almost a decade ago and was told student loans could not be discharged.

Your Question *
How can lower my garnishment or discharge the loan? I do not have money to hire an attorney.

Thanks for any help you can provide.



Dear Cynthia,

If this was a recent garnishment you could have appealed it and made your case for why the garnishment was too much for you to pay. But since it has been so long, probably the best approach at this point is probably a rehabilitation.

Please read The Easiest Way to Stop a Student Loan Wage Garnishment – Loan Rehabilitation.

Completing the rehabilitation program will bring your loan current, allow you to enroll in an income driven repayment plan, and stop the garnishment after five more payments.

However, if you want to throw everything against the wall and try to stop this sooner than rehabilitation can, you can always consider filing the wage administrative garnishment appeal in addition. See How Do I Stop My Student Loan Wage Garnishment?

Don’t be surprised if the appeal route is a brick wall but it’s worth a Hail Mary try.


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.

Damon Day - Pro Debt Coach

5 thoughts on “I’ve Had a Student Loan Wage Garnishment for 18 Months That I Need Stopped”

  1. Cynthia, you said you filed bankruptcy several years ago… and they told you you could not include your student loans. Well that is true but also an un-truth! What they did not tell you is that you could file an Adversary Proceeding (a law-suit) to try and have those loans discharged within the same bankruptcy. It is not too late! You may be able to re-open your bankruptcy case, and then file an Adversary Proceeding. Please read my case information and learn how to do that. My blog page is here: http://www.unduehardship-povertyrequired.com. Steve Rhode has written about my case here: https://getoutofdebt.org/98507/using-information-man-discharges-130k-federal-student-loans-bankruptcy, another helpful blogger wrote about me as well and he also writes about student loan issues: http://www.condemnedtodebt.org/2016/02/let-justic-flow-like-river-richard_19.html. You need to decide if you are ready to fight this and get a discharge via the bankruptcy court. Otherwise I honestly do not see much hope that you can get out from under the “garnishments” . I was being garnished for several years before I decided ENOUGH IS ENOUGH! Check out my blog and my story! Richard Allan Precht (google me). God Bless You and America!


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