How to stop student loan wage garnishment?

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Student loan wage garnishment can be a significant burden for individuals struggling to repay their student loans. It occurs when a portion of a borrower’s wages is withheld by their employer and sent directly to the loan servicer to satisfy the outstanding debt. However, there are steps that borrowers can take to stop student loan wage garnishment and regain control of their finances.

Understanding Student Loan Wage Garnishment

What is student loan wage garnishment? Student loan wage garnishment is a legal process in which a portion of a borrower’s wages is withheld by their employer to repay their student loan debt. This can happen when borrowers default on their loans or fail to make satisfactory repayment arrangements.

How does student loan wage garnishment work? When a borrower defaults on their student loans, the loan servicer can initiate wage garnishment proceedings. The loan servicer will notify the borrower and their employer of the intent to garnish wages. The employer is then legally obligated to withhold a portion of the borrower’s wages and send it directly to the loan servicer until the debt is satisfied.

Steps to Stop Student Loan Wage Garnishment

Contact the loan servicer: The first step to stop student loan wage garnishment is to contact the loan servicer. Discuss the situation with them and explore possible options to resolve the issue. They may be willing to work out a repayment plan or offer alternative solutions to help you avoid wage garnishment.

Request a hearing: In some cases, borrowers have the right to request a hearing to challenge the wage garnishment. This allows you to present your case and provide evidence of financial hardship or extenuating circumstances that may warrant a different repayment arrangement. Be prepared to provide documentation to support your claims.

Consider loan rehabilitation: Loan rehabilitation is another option to stop wage garnishment. By entering into a loan rehabilitation program, you agree to make a series of consecutive, on-time monthly payments based on your income. Once you successfully complete the rehabilitation program, the wage garnishment will cease, and your loans will be brought back into good standing.

Explore loan consolidation: Loan consolidation involves combining multiple federal student loans into a single loan with a new repayment plan. By consolidating your loans, you may be able to secure a more manageable monthly payment and stop wage garnishment. However, it’s important to note that loan consolidation may extend the repayment term, resulting in more interest paid over time.

Seek professional assistance: If you’re unsure about the best course of action or find the process overwhelming, consider seeking professional assistance. Student loan counselors or attorneys specializing in student loan debt can provide guidance and help you navigate the complexities of stopping wage garnishment.


Stopping student loan wage garnishment requires proactive steps and communication with the loan servicer. By contacting the loan servicer, requesting a hearing, considering loan rehabilitation or consolidation, and seeking professional assistance, borrowers can regain control of their finances and stop wage garnishment. It’s essential to take action promptly to avoid further financial consequences.


– Federal Student Aid:
– Consumer Financial Protection Bureau:
– National Consumer Law Center: