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Are you having trouble managing multiple student loans or paying the amount due? If you fail to pay your student loans on time, you’ll face serious repercussions.

For example, one missed payment makes you delinquent, meaning you could incur late fees, be reported to a national credit bureau and have difficulty accessing future credit.

You may even face wage garnishment or have your tax refunds seized.

Avoiding delinquency and default is easy if you repay your loans on time.

This would get you back on a ten year loan elimination payment.

The fact you are unable to make your agreed upon regular student loan payment may be a symptom of a larger problem and it should be thoughtfully examined.

I am trying to find more information on this new law is nearly impossible which I find odd and discouraging. I wanted to know what my next step is in order to get out of wage garnishment now that the new laws have passed.

1) What are my rights as far as the new law goes while in wage garnishment and having been paying for almost a year now?

First of all, THANK YOU for being so helpful with these articles.I am starting a new job in the next week or so and I do not want my garnishment to be known at the new company. Susan Dear Susan, I'm assuming these are federal student loans you are struggling with since you mentioned the five payment solution.There is an often missed little trick when it comes to wage garnishments with federal student loans. What I'm about to tell you is a legitimate option and not some shady or sneaky trick.My loans were brought from delinquent to current, my payment was reduced. Huffington Post Reader Question Dear Steve, Student Loan in default.

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