[SOAPLADY]

Trigaye....you need to ask Van Ru for a rehab and "reasonable and affordable" payment. Quote those words. They do not have to offer you this program...you have to ask for it. According to the Higher Educaction Act, they must allow you to make 9 reasonable and affordable payments to get your loan out of default. If they refuse, then you can contact the student loan ombudsman for assistance.

Rehab is not that complicated. There is some paperwork but not that much.

I have a loan through the dept of Ed that I am in defualt on. The Loan is being handled by GC Services. Before the garnishment they called with a settlement offer of 269.00/mo for 9 Months. I told them at this point in time I was unbable to pay them that amount but I could pay them 200.00. They said they would take that as me refusing to pay and that garnisment would commence. I filed a hearing with the Dept of Ed and was turned down. I called the dept of ed and they said I needed to work with GC Services. I called GC services again and this time there offer was 325.00/mo for 9 months on top of the 350.00/mo I am being garnished. They say that is the guidlines of the dept of ed. When I called the dept of ed back they just keep telling me to contact GC Services. It is a circle I can't break free from. Does anyone have any ideas.

[SOAPLADY]

How much do you owe??

Once you have been assigned to a CA, Ed will not work with you so there is no sense continually calling ED. Ed's hearing to avoid garnishment are pretty reasonable on expenses so if they denied you, you are pretty well stuck unless you complete the rehab payments over and above the garnishment.

$269/month for 9 months doesnt sound like a settlement offer...is sounds like a rehab payment.

SOAPLADY,
My loand throug ED was for 20 grand but of course with collection costs it is now 38 grand. You are right the 269.00 was a rehab but by the time I was able to get an additional job to help suppliment it had already gone to garnishment. The only good news is that ED sent me more paperwork yesterday to re-file for another hearing request. It just stinks because ECMC was also garnishing me but they worked out a deal for 110.00/mo for rehab. The are going stop their percentage while I make payments.

My husband and I have had our wages garnished at 15 percent for several years without a statement. We have no idea of our total debt, how much we have paid, or when the end is in site. We are distraught, our marriage of 14 years and our son is the only joy in life we have. We both work hard and tell everyone we know . .do not go to school! We looked into rehab on our loans . . way too expensive for six months . .we did it for four months and almost lost everything trying to keep up . .we love our son too much for that. So we stopped killing ourselves. Garnishment is more affordable. We will rent forever, and have high interest auto loans. We have resolved ourselves in this fact. Will our default affect our sons ability to receive a student loan if he is nieve enough to go to college? This does not seem fair if true, but we don't put it past the govt . .who by the way gave a bail out to a failing auto industry and not to working families . .we could have payed off our debt and bought a home. Any advice?

[SOAPLADY]

You have been garnished for several years and dont know what your balance is?? Sounds like you need to become a little proactive and maybe call and ask? Being in default, you are not entitled to statements but you should be calling a couple of times a year for a verbal balance or at even a balance letter.
Think it is time to change your attitude....telling people not to go to school is doing your friends and your son a total disservice. You need to be telling people and your son that if they are going to pursue post secondary education, they need to borrow wisely and not get themselves into the same mess you did. Your screen name....Nurse, I am assuming that you are a nurse, thus you needed an education, right? Without that education,what would you be doing? Slinging hash at the local diner??

How much do you both owe now?? Find out exactly from the CA. The CA might have been assigning you too high a payments to qualify for rehab. Plus with additional payments, and I would assume tax seizures, you might be able qualify for a rehab that is a little bit more affordable now.

My student loans went into default and they placed a offset on my tax refund. I recently consolidated the loans and they still have not removed the offset. My question is how long will it be before the IRS gets the notification that the loans have been consolidated and remove the offset.

[SOAPLADY]

Call your guarantor.

I just got off the phone with the EdFund. I have 2 student loans in default and have just recently set up payment plans with them. I called wanting to know if I was set for offest of my taxes for this year or not and the first persont that I talked to was hatefule as all get out. But I went right back at him. So eventually he got tired of dealing with me and sent me to the post default people. I got a hold of the nicest lady. She told me that my taxes were beeing held, but when I told her that I was out of work cause of medical reasons and my husband is not able to find work right now either and we were under extream hardship she gave me information about filing for them to give me a refund of part, possibly all of my taxes back since I am in such a pickle. I know that alot of people have said that EDFund is hard to work with, but the second lady that I talked to was so nice. I did this to myself not paying my studentloans when I was suppose to years ago. Would have been paid off by now. But I am not going to let this ruin the rest of my life. I am going to do everything I can and with the help of EDFund I think I will be able to. I noticed that alot of people on here have really high payments on thier student loans. I have about 6,000 in loans (thats what I will have paid by the time I have made all my payments anyway) and mine are only 57.00 and some change. I hope that you all can get with EDFUND and get thier help too. I know that when I go back to school after I get this all strait I will be paying my student loans on time. lol. Thanks everyone that gave me advice.

If my payroll is being garnished, am I entitled to my tax returns or is the government going to keep my tax returns?

[SOAPLADY]

Nope....they will keep them since you are not paying voluntarily

[babyface_10457]

My payroll is being garnished and I want to receive my tax refund. What should I do?

My payroll is being garnished and I want to receive my tax refund. What should I do?

[SOAPLADY]

You wont get 2008's taxes back. However for 2009, you could attempt rehab by making payments over and above the garnishment.

I WAS NOTIFIED BY ACS THAT MY LOAN IS IN DEFAULT AND I HAVE TO PAY $200 A MONTH. I WAS TOLD THAT THE PROGRAM THEY USED TO HAVE THAT IF YOU PAID ON TIME FOR 6 MONTHS, THEY WOULD TAKE YOU OUT OF DEFAULT STATUS, IS NO LONGER AVAILABLE. I TOLD THE GUY AT ACS THAT I HAD CARED FOR MY MOTHER FOR 3 YEARS AND I WAS BEHIND FINANCIALLY. HE SAID IT WASN'T UP FOR DISCUSSION. I HAD TO PAY $200 OR ELSE. I GOT A LETTER SATURDAY AND IT SAID ATANY TIME THEY COULD REQUEST THE FULL AMOUNT OF $24,000 AND THEY ARE ASKING FOR IT . I HAVE ONLY HAD A CHANCE TO SEND IN 2 PAYMENTS. WHAT DO I DO? I WANT TO PAY BUT I CAN'T AFFORED $200 A MONTH.

[SOAPLADY]

Actually they are referring to rehab and that was 9 payments. A lot of lenders are not able to offer it at this time.

Did you forebear or defer your loans while you where looking after your mom??

It is true...when you signed your prom note you agreed to balance in full on demand.