I’m a Police Officer. How Can I Get My Student Loans Out of Default?


Dear Steve,

Currently getting wages garnished from income. Two income household and the garnishment is still killing my pockets. I have already done a rehab years ago but after I completed the rehab they told me my loan had not been picked up by another company yet and that I would be contacted. I was never contacted and I let it go, but I was young.

I read your article on getting out of a wage garnishment by rehabbing the loan, but since I have already done that once and can not do it again is there any other options to set up lower payments. I am a police officer so I would like to participate in the Public Service Loan Forgiveness Program. Help!



Dear Lewis,

Historically it has always been a one strike and you are out situation. However, I just heard about a consumer who had the servicer go to bat for them and was able to get a second rehabilitation approved.

It’s not clear from your question if you have loans that were rehabed and just one is a problem or all the loans are in default again.

Another option that has worked in some unique situations is to apply for a Direct Loan to consolidate the loans out of default. Again, some have been able to do it but it is not consistent at all.

You are correct, to get into the Public Service Loan Forgiveness program that will fully eliminate your federal student loan payments you must get them consolidated into a new Direct Loan and on an income driven repayment program. Only then will your payments count towards forgiveness.

As I see it you have a few options. The first would be to borrow the money to bring your loans current. Once current you could consolidate them. You could ask your loan servicer to help you go for a second rehab if possible or apply to consolidate your loans into a Direct Loan. The third option would be to connect with a student loan coach like my friend Damon Day to develop a defined strategic plan to tackle your specific situation.

See also  How Can I Hide From the Student Loan Collector?

For more information on the program you can click here.


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

Steve Rhode

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