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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. Check your rate using Ready For Zero's free debt consolidation tool. People have saved thousands by consolidating higher-interest debts using a single, personal loan, this will not negatively impact your credit. 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.
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