Ask The Get Out of Debt Experts Student Loan Related

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

Written by Steve Rhode


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.

READ  My Husband Received a Writ of Garnishment. What Now? - Natalie

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.


Leave a Comment

Scroll to Top