Administrative Wage Garnishment

Your federal student loan holder (whether the Department of Education or a guaranty agency) can order your employer to withhold up to 15 percent of your disposable wages. This is called Administrative Wage Garnishment because no court judgment is needed.

Your loan holder will send you a notice of proposed garnishment at your last known address.

  • You have 30 days from the date of the notice to object to garnishment.


  • To object you must object in writing and request a hearing.


  • If you object after the 30-day period, garnishment will be initiated but your objection will be considered and a decision issued usually within 60 days of the day your hearing request is received.


Suffering through administrative wage garnishment just doesn’t make sense. There are defenses to administrative wage garnishment and ways out.


Why suffer through embarrassment with your employer, ruined credit, and forced student loan payments?


You can stop the garnishments, get out of default, benefit from income based repayment plans, and maybe even qualify for loan forgiveness.


If your wages are being garnished or you have received a notice of proposed garnishment, call me for a free consultation: (904) 419-9858. I think you will find that I can save you both money and stress!