Once you become so delinquent on a student loan that they begin garnishing your wages, it can be difficult to get into their good graces & to qualify for any of the programs designed to reduce your payments.
If you feel you have exhausted all ways of dealing with them, you may wish to consider whether filing a bankruptcy could provide a way of managing this debt to make the payments more affordable. You could have up to 5 years of protection from the garnishment & establish new credibility with the lender through Chapter 13.
Hope this perspective helps!
The Federal Rules on student loans allow for you to get out of default.
Ask about a Reasonable and Affordable payment plan pursuant to 20 USC 1078-6 and 34 CFR 682.405.
If they will not comply, you should seek the assistance of a lawyer who knows student loan law.
Mr. Krumbein is admitted to the courts of Virginia. His advice is often based on Virginia and Federal law, however, you should consult a lawyer in your geographic area for more detailed advice.
The U.S. Department of Education website is a great resource for dealing with student loans. You can get them out of default reasonably.
Mr. Goldstein is a Virginia-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Mitchell Goldstein or the Goldstein Law Group does not constitute legal representation, nor is any information you provide protected by attorney-client privilege until otherwise advised.