01/06/2026
Federal Student Loan Garnishment
Starting in Jan 2026, the Federal Government will be resuming garnishment of wages for severely delinquent student loans. The government doesn't need a court order, and can withhold up to 15% of disposable income - earnings left after legally required deductions such as taxes. Here's the really important part: you will receive a 30-day advance notice before garnishment begins. During that time you can pay the debt in full, negotiate a repayment plan, or request a formal hearing to dispute the garnishment. In other words, don't just ignore it. If you need help exploring options give me a call.