I'm officially confused, :confused: help me please. I owe 10k in defaulted student loans. I filled for a Hearing or Exemption, due to financial circumstances, but I received a letter saying that they have withdrawn their prior to Wage Withholding, and that no hearing will be held. They will not withhold my wages but they said I have to make satisfactory repayment arrangements on my account or it will result in them withholding my wages. Does this mean I'm not in default? What exactly does this mean? I'm hoping to go back to school asap, and am in a financial hardship right now.