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How Can I Stop a Student Loan Wage Garnishment if I Teach in a Low Income School

By on June 17, 2016


Dear Steve,

I went through a divorce in 1997, after that I got behind on my payments. I have been teaching in a low income school district in Missouri for the past 11 years and my wages have been garnished for most of that time. I need to get out of this but don’t know what steps to take.

What steps do I take to get out of wage garnishment?



Dear Lacinda,

I’m assuming you are talking about a federal student loan.

I’ve got good news and unfortunate news.

The unfortunate news is if you had not previously consolidated these loans into a Direct Consolidation Loan you will be starting from scratch.

It is easy to stop a wage garnishment. Read The Easiest Way to Stop a Student Loan Wage Garnishment – Loan Rehabilitation.

To get your loans forgiven you can use the Public Service Loan Forgiveness Program. See The Ultimate Guide to Dealing With Student Loans You Can’t Afford.

The PSLF program will require you make 120 on-time payments after you can consolidate your old loans into a Direct Loan.

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About 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.

One Comment

  1. Steve Rhode

    June 17, 2016 at 12:32 pm

    I just answered your question.

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