Student Loan Wage Garnishment

So, if you're unemployed thus not filing taxes or earning wages, what do they do then?

Yup...federal loans cross reference IRS records.

The IRS took my tax refund for my student loans that I've defaulted on. It's been a VERY rough year and I'm in severe financial hardship right now. I'm a single mom now and I'm now unemployed. I was going to get $5000 back and they took it all. Is there any way to appeal this? I've never had wages garnished and I don't ever remember receiving a letter saying they were going to take my refund if I didn't pay. It's not a private loan. I'm sure I'm screwed, but I'm just praying I might have a chance to appeal?

you can try but it is not likely you will suceed. It is pretty common knowledge and is in tax documents and filing programs that the IRS will offset for defaults.

My check has been garnished for a year due to default on a parent plus loan. the IRS has also taken a tax refund (the stimulus refund a couple of years ago). I have tried, several times, to discuss payment plans with AES for the loan, but they make it virtually impossible for me to do so, asking for a sizable amount up front and then the monthly payments. Is there anything I can do to not have the IRS take my refund this year? Logically, if AES wants a big chunk of money up front and then monthly payments, I could do so with the IRS refund, and I am working 2 jobs right now, so I could handle monthly payments. Incidentally, I got into this mess due to some medical problems with high bills to pay and going through a divorce.

You had the opportunity to pay voluntarily prior to the garnishment and plus appeal the garnishment based on financial hardship. Your guarantor is under no obligation to offer you payments once you are in garnishment. Have you asked them about rehab?

Thank you for your reply. How do I ask them about rehab? I am willing to do anything to get out of this debt and not have my refund taken away.

Rehab requires 9 payments over and above the garnishment. You would have to delay filing until after the rehab is completed.

Thank you. How do I make the payments? How do I "apply" for the rehab, and how much are the payments? Are the the same as the garnishment payments? Please advise.

You need to call and talk to the CA if it is being handled by one...or the guarantor. Generally a rehab payment is 1% of your balance. You ask for it...you dont apply. Once you have made 9 voluntary on time payments, you are eligible for a rehab.

i am about to be garnished by 2 different collectors for the same loan can they do that i am struggling enough on my own already and now there threatening to garnish me and file a judgement against me to make me pay even more money that can't afford i'm afraid there going to make me homeless cause of finacial hardship is there anything i can do!!!!!!!!!! i ahte how these people can just forcefully take money away from hard working people who really can't afford it

Are these for federal or private loans? Federal loans do not require a judgment and even with private loans, guaranishments have to be coordinated thru the guarantor.

I recently found out that I have an old (1978 or so) student loan on file with the Department of Justice. I found out when I applied for a FAFSA LOAN to continue my education. I don't even remember what school I attended back then and I was surprised that I owed-all these years I thought it was a grant that I had received. I was very young and had just moved to CA-enrolled in school, got financial aid, and then ended up moving away near the end of the semester without dropping classes. Nothing has ever been on my credit report and I have never received correspondence about this matter-though I did move around a bit until about 1990. But I always worked and always paid taxes all these years (in CA) so I'm sure they could have reached me if they wanted to.

I'm wondering why nothing has ever been done and I am afraid now to contact them-it seems like all payment plans are through the Dept of Ed-the Dept of Justice sounds scary, like I will be sued or something

Anyone have any experience with this? This forum has such great information but I didn't see anything similar to my situation.
Thanks in advance for any of your thoughts!!
Marie

Call and find out more details. If it is with the department of justice now, it is likely you have already been sued.

Thank you-trying to getting up the nerve to call...

I have been paying a garnishment back for a while but would like to find out my remaining balance due. I have been having some difficulty finding anyone to talk to me about the original student loan and when contacting the numbers i get from the federal student loan people all i get is that my debt has been sent to outside agencies. All I want to know is how much longer i have on this garnishment before I am paid in full.