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30-day notice to garnish wages over federal student loans & how to stop it

How to Stop Federal Student Loan Wage Garnishment

  1. Request either interest-free COVID-19 forbearance (the deadline for this continues to get extended so check with each of your creditors about the deadline)  OR regular forbearance for 90-days
  2. Sign up through the collection agency for loan rehabilitation and make nine consecutive payments. After completing the loan rehabilitation the default marks will get removed from your credit report. Loan rehabilitation can also stop the garnishment if it already occurred. Click here for more information about loan rehabilitation:
  3. Consolidate your federal student loans
  4. Get on an income-based repayment plan that offers loan forgiveness

When it comes to federal student loans, creditors only need to provide a 30-day warning notice and then start garnishing wages. For that reason, if you are behind on federal student loan monthly payments, do not procrastinate in taking action.

The good news is, you can easily stop a wage garnishment, repair your credit and consolidate your loans into an affordable monthly payment. And you can do all of this on your own! The following blog post will show you everything you need to know to stop or avoid wage garnishment, get the default marks off your credit report, and consolidate your loans into a low monthly payment. Eventually, you’ll even be able to get loan forgiveness. All of your federal student loan relief options will become available after completing the following steps. For help with credit card debt, relief programs are explained on this page next. 

If you’d prefer to join a debt relief program and have the experts at Golden Financial Services assist you, call (866) 376-9846. To qualify for a debt relief program, you must owe above $15,000 in student loans or credit card debt.

Did you already get a Wage Garnishment? Federal Student Loans will need to complete loan rehabilitation as a next step!




Here are the do-it-yourself instructions to help you resolve federal student loan debt wage garnishment-related problems without further ado.

Received a 30-day wage garnishment notice?

For instructions on how to avoid wage garnishment, start reading below where it says: “Received a Notice That My Wages Will Get Garnished in 30-days?”.

If your wages are already being garnished, watch this next short video on how to stop wage garnishment and repair your credit.

Video on How to Stop a Federal Student Loan Wage Garnishment



Received a Notice That My Wages Will Get Garnished in 30-days

Did you recently receive the following notice or something similar?

30-day notice to garnish wages over federal student loans & how to stop it

The following notice is a 30-day wage garnishment warning.

You now have only 30-days to resolve your student loan debt. The rest of this blog post will walk you through exactly what you need to do.

First, let’s examine the wage garnishment law. There are requirements under the wage garnishment law (Public Law 102-164; 20 U.S.C. 10945a et seq) that must be met before a creditor can legally garnish your wages. These requirements include:

  • Your creditor must give you a 30-day notice.
  • Your creditor cannot garnish more than 15% of your disposable income.
  • If you were reemployed within 12 months after being involuntarily separated from employment, no amount might be deducted from your disposable pay until you have been reemployed continuously for at least 12 months.

I want you to get familiar with the different clauses in the wage garnishment law so that you can spot any violations if any occurred. If you spot a violation, you can call your creditor on the phone and mention to them that they are violating section .. whatever it is … and they may drop the garnishment.

It’s good to let your creditors know how educated you are on debt collection laws to ensure they don’t try to take advantage of you.

Threaten that you will report them to the Consumer Financial Protection Bureau (CFPB) if you find out they violated this law.


Federal law (Public Law 102-164; 20 U.S.C. 10945a et seq) Wage Garnishment Requirement

I underlined important clauses that you should carefully review.

Here is what the student loan wage garnishment law says:

Source: Cornell Law,


Request Forbearance if you are “Past Due” on Monthly Payments & Trying to Consolidate

In 2020 and 2021, most federal student loan creditors will automatically place your loans on interest-free forbearance due to COVID-19. Some creditors require you to call them and specifically ask to be placed on the COVID-19 interest-free forbearance. Make sure if you’re delinquent on your federal student loan payments that you immediately request forbearance to avoid wage garnishment. Find out when the COVID-19 related interest-free forbearance ends and get on that if possible. If the COVID-19 forbearance is no longer an option, request to get on regular forbearance for 90-days.

At Golden Financial Services, when we help a client consolidate their federal student loans, if they are delinquent on monthly payments, we suggest they request “90-days forbearance” to avoid getting their wages garnished. The forbearance gives us enough time to consolidate and get their loans paid off. And forbearance puts your past due balance back to $0. Just call your creditor and request a 90-days forbearance due to “financial difficulty” and let them know that you are in the process of consolidating.


How to stop wage garnishment on federal student loans if you received the wage garnishment 30-day notice

You need to consolidate your federal student loans immediately.

You have roughly 30-days to get your consolidation approved.

We’ve seen cases where the consolidation took longer than 30-days, but the creditor delayed garnishing the individual’s wages because they knew that the consolidation was being processed, so we were able to save the client from garnishment. Our AFSLR certified professionals stay on top of the creditor and the student loan servicer, almost nagging them, but that’s what you need to do!

After you submit your consolidation application; Contact the creditor who is suing you and let them know you just consolidated. You can even request a 2-week extension on the 30-day garnishment date. Ask for a 2-week extension to ensure there’s enough time to complete your consolidation. Your creditor may or may not give you the extension, but at least they will notate your file that you’re consolidating. You want to take every extra step that you can take to give you enough time to get this consolidation completed before your wages being garnished.

At Golden Financial Services, we see at least one client per week in this same situation. They contact us after getting served with the garnishment notice, we then take immediate action –and successfully help them consolidate and get everything paid off in time. So don’t worry; if you move fast, you can likely avoid the garnishment and end up in good shape.

The “wage garnishment notice” example we provided ABOVE – turned into this successful consolidation today!

Learn How To Stop Wage Garnishment of Federal Student Loans at


Step by step instructions on how to Consolidate, Get on an Income-Driven Repayment Plan and Loan Forgiveness (free instructions to do it on


Step 1: Get FSA-id to consolidate federal student loans…

You will need your Federal Student Aid Username and Password (FSA-id) to consolidate your federal student loans. Visit to get it. (Click on where it says “Create an FSA-id” and follow the instructions)


Step 2: (optional) Get a quote on what your new income-based repayment will be before starting the process…

Log in to the Student Loan Consolidation Repayment Plan Estimator to get a quote on what your new payment will be after consolidating. Get an idea of what your options are before starting the consolidation process.


Step 3: Start consolidation… these are step-by-step instructions on how to consolidate.

Consolidate your federal student loans at StudentLoans.Gov.


How To Consolidate Federal Student Loans and Get Loan Forgiveness


Once you log in at StudentLoans.Gov, start the student loan consolidation process, click on where it says “Apply for Loan Consolidation,” and then follow the instructions.


To start the student loan consolidation process click "Apply for Loan Consolidation" and then follow the instructions.

Step 4: Review all federal student loans that you’re looking to consolidate


After clicking on “Apply for Loan Consolidation,” next, you will be prompted to review all of the federal student loans that you want to consolidate. If everything looks correct, continue.


Student Loan Relief Case Example: $181,901 in student loan debt

SIDENOTE: We will be using screenshots to help explain the process throughout the rest of this post. This particular person had $181,901 in student loan debt. Golden Financial Services consolidated their student loans — and took screenshots of each step of the way. These screenshots are being used today to provide a visual that makes it easier to understand the process. 


Step 1. Review loans that need to be consolidated.

Step 5: Select “(1 of the 4)” loan servicers’ to consolidate with…


Select a loan servicer and continue. (how to consolidate student loans)

You can select Navient, FedLoan Servicing, Nelnet, or Great Lakes Educational Loan Services as your loan servicer. I recommend using Great Lakes as your loan servicer if you’ve already received the garnishment notice. Navient can get very busy where you have to wait on hold when calling them.

Within 1-2 weeks after you submit your consolidation application, you can contact the loan service by phone and ask to speak to a supervisor. Tell them about your situation … that you just received a garnishment notice and you only have 30-days to consolidate and get your loans “paid in full.”

They will prioritize your file.

Normally, within a few weeks after submitting your consolidation application, you will receive a letter that shows you all of the loans being paid-off (a summary of loans included in the consolidation). And then, a few weeks after that, your loans will get paid off. But if your loan servicer is aware of your situation, they will speed up the process.

You want to contact the creditor who is suing you every week or two throughout the process, just letting them know that your consolidation is going through and the loans will be paid off any day now — keeping them updated. You want to stay on top of the loan servicer you selected to consolidate, always speak to a supervisor, and ask them to push the process faster.


Continue reading STEP 6 on this next page here: (SCROLL DOWN TO STEP 6)

If you need help with credit card debt — VISIT this page next. 

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