Student Loan Default & Collection of Defaulted Loans
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.
Learn about available student loan repayment plans.
Learn about your options, such as student loan rehabilitation and consolidation, for getting out of default on your federal student loans.
Know what to expect if you fall behind on student loan payments.
If you are in default (behind on your payments) on a private student loan, the lender will likely come after you for payment.
Student loan holders and collectors can garnish your wages if you get behind in payments. Get the details.
Read about reasons you can challenge a student loan wage garnishment, and how to challenge the garnishment.
If you are sued for nonpayment of a student loan, you might have a defense to the lawsuit.
State law limits the time period in which a creditor can sue you for the collection of a private student loan.
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