While student loans can be a helpful way to get the education and skills you need, you do need to be aware that you will be expected to repay them.You generally can’t include student loans in bankruptcy filings, and for federal loans in particular the government has several ways to recover the money that you owe: One of the tools that can be used to receive payment on your student loans is garnishment. Can a debt collector garnish my wage without a judgment? If I wanted to pay my debt, whether out of my own pocket or through consolidation... Basically, they're trying to trick you into garnishing by making you give up on all your other options. Make sure to record all the communication with them, and if possible - consult an attorney.but thought it be better the break these up into seperate questions... A complaint to BBB and/or your state attorney seems to be in order here.

Even if it is possible to get through the first four years without debt, many grad students find that they need to borrow in order to move further in education.

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7 million federal student loans are in default, and garnishment is one of the many ways the government can get their money back from you.

Under federal regulations, the government can take up to 15% of your disposable pay if you’re in default on your federal student loans.