Never Used a my student loan

You are legally responsible for this loan as you did not withdraw. It is not so much law as policy. School policy states that you must officially withdraw to cancel enrollment and financial aid. If you had withdrawn immediately you probably could have gotten 90-100% of funds returned. The school at this point is not going to refund the money to Sallie Mae..they have no obligation legally. Sallie Mae has now been paid off by your guarantor. Unfortunately you are going to have to suck this one up to learning experience....a lawyer can do nothing for you.

Can I enroll into school to stop the garnishment?

Nope. Once a loan defaults, you have no deferment or forebearance privileges. Plus you are not eligible for financial aid while in default.

So you mean to tell me that I am paying for an education I can not obtain? That these folks are just receiving free money from me?

You paid for a spot in the class and you chose not to attend. The teacher still had to be paid as well as the other expenses of running a school. If you had followed the schools policy, which is no different than any other school of higher education in this country, your money would have been returned. I worked for a major public university..same policy is in effect there too.

So the answer to my question is yes they are recieving free money from me, policy or no policy. The teacher did not need to get paid on my behalf since I was not there. No service or product utilized, yet I still have to pay. They may not be responsible for returning my money but it doesn't mean that they will not. I'm sure a lawyer can find a loophole. Thank You.

Nope....you are not understanding. Classes are based on enrollment. Expenses are fixed whether or not you attend class.

Lets put it this way. You buy a car and you take a loan out from the bank. You drive the car a block and decide you dont like it but you dont sell it or take it back. You leave it sitting on the curb. The bank (or Sallie Mae) gave you the funds to purchase the vehicle (education) of your choice. The dealership (school) is paid whether or not you drive or use the car. You cannot come back years later say "hey, I never drove the car". The bank still is entitled to the money as is the dealership.

Any attorney will laugh. They all went to school and had to deal with drop/add/withdrawal dates and university policies. You went to a "for profit" school by my googling. Believe me, they aint giving any money back.

That's a nice analogy soaplady -- I was thinking something along those lines before I even read your reply.

Girloduval, I'm sorry to say I don't think a lawyer is going to find a loophole for you. You'd have have to prove either 1) that you submitted the drop forms on time (which you didn't), or else 2) you'd have to prove that the University "singled" you out and didn't apply the same policies to you as it did to every other student.

Actually that analogy was given to us when I was collecting....pretty sure it was someone from CSAC that used it to explain this policy.