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My federal student loan is in default and they are

My federal student loan...

My federal student loan is in default and they are threatening to garnish my wages

Lawyer's Assistant: What state is this in? And when did the issue begin?

TN, I received the letter about two weeks ago

Lawyer's Assistant: Have you spoken to a local attorney or school administrator? What is your ideal outcome for this situation?

No I have not yet. I have been out of school for 16 years. I would just like to start making payments again. But I can not make a $200 or more payment a month. My spouse is disabled and I have a son in college

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Answered in 3 minutes by:
12/21/2017
Lucy, Esq.
Lucy, Esq., Attorney
Category: Legal
Satisfied Customers: 32,264
Experience: Lawyer
Verified

Hi,

I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear about your situation.

Have you tried talking to the company at all or seeking lower payments?

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Customer reply replied 6 months ago
No they want me to send in all of my financial info

Thank you.

There unfortunately isn't statute of limitations on student loans owed to the federal government, so the way to avoid garnishment may be to work with them and see if you can arrange for making lower payments This site allows you to apply for reduced payments based on your income.

https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven

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You can also try sending in the information they're requesting to see what options they can offer. Sometimes they'll settle for less than the total owed, but that usually requires that you have cash available to make a lump sum payment.

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Customer reply replied 6 months ago
Thanks

You're welcome. Good luck.

Lucy, Esq.
Lucy, Esq., Attorney
Category: Legal
Satisfied Customers: 32,264
Experience: Lawyer
Verified
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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