Challenging student loan wage garnishment

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For the first time since the onset of COVID-19, the Trump administration is set to garnish U.S. workers’ wages for defaulted student loans. The Department of Education has announced that beginning this week it will send at least 1,000 borrowers a notice of intent to garnish wages, sending additional notices every month as it expands its efforts to forcibly collect money from millions of borrowers in default…

But debtors shouldn’t feel hopeless. The truth is, there are a host of options at debtors’ disposal that the Department of Education does not tell borrowers about. Many borrowers who receive default notices will actually be eligible for debt cancellation, whether they know it or not.

Cancellation programs like Total and Permanent Disability, False Certification, and Borrower Defense can provide relief for millions of borrowers who deserve it because their university cheated them or closed down while they were enrolled. Another little-known option that borrowers have is to apply for a hardship exemption if wage garnishment causes them financial hardship. While temporary, and certainly not a solution to the student debt crisis, debtors can apply to pause or reduce forced collections if they are in difficult circumstances. - Truthout