Check Your Rate Now Even if the government decides to garnish your wages, you have the right to object to wage garnishment.

You will need to prove some sort of extenuating circumstance, and it can help to hire a lawyer to help you fight the wage garnishment.

As with the wage garnishment, it is possible to challenge your tax refund offset.

Debt consolidation is only one of several strategies for paying off debt.

Debt consolidation won’t work if you have too much debt or haven’t fixed underlying spending issues.

So, instead of receiving your tax refund, it is diverted to the Department of Education.

This is actually one of the more popular ways that your student loan debt can be recovered.

Use the Student Loans resource center to learn more about how to pay off your student loans.

Debt consolidation loans allow borrowers to roll multiple debts into a single new one with fixed monthly payments and, ideally, a lower interest rate.You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.The interest rate depends on your credit profile, and it usually doesn’t change during the life of the loan.Can the government garnish your wages if you don’t pay your student loans? Few students can make it through school without the help of student loans.Even if it is possible to get through the first four years without debt, many grad students find that they need to borrow in order to move further in education.Almost all lenders require you to be 18 years or older and a legal U. resident with a verifiable bank account and not in bankruptcy or foreclosure.