If you have missed student loan payments, you may be in default. Here you can learn what constitutes student loan default and what collection methods the government can use to collect defaulted student loans, including garnishing your wages and taking your tax refunds. Most important, you can learn the various ways that you can get out of default, such as cancelling loans or getting a reasonable and affordable payment plan or a consolidation loan.
How to Get Out of Student Loan Debt
Most people can't eliminate student loan debt—but many can get better payment plans.
How to Get Out of Default on Your Federal Student Loans
Learn about your options, such as student loan rehabilitation and consolidation, for getting out of default on your federal student loans.
What Happens If You Default on Your Federal Student Loans
Know what to expect if you fall behind on student loan payments.
Collection Methods Used by Private Student Loan Lenders
If you are in default (behind on your payments) on a private student loan, the lender will likely come after you for payment.
Can My Student Loan Creditor Garnish My Wages?
Student loan holders and collectors can garnish your wages if you get behind in payments. Get the details.
Challenging a Student Loan Wage Garnishment
Read about reasons you can challenge a student loan wage garnishment, and how to challenge the garnishment.
How to Challenge a Student Loan Tax Refund Offset
If you get an IRS notice of tax refund offset for a student loan, you can object to the offset on various grounds. Learn how.
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Common Defenses to Student Loan Lawsuits
If you are sued for nonpayment of a student loan, you might have a defense to the lawsuit.
Is there a statute of limitations for private student loans?
State law limits the time period in which a creditor can sue you for the collection of a private student loan.