Find Out How To End Wage Garnishment For Student Loan Default Today!!

Free Consultation for garnishment and rehabilitation analysis

Are your wages being garnished because of defaulted federal student loans?

Are your tax returns being intercepted?

Did you know that you can cure the default by entering rehabilitation for your defaulted loans?

And did you know that once you complete rehabilitation that you can get an affordable repayment plan that might be as low as $0 per month? Did you know that since 2007 borrowers with federally guaranteed student loans have been eligible for lower payments and loan forgiveness?

Did you know that defaulting on a student loan can hurt your college or university too?

Did you know that starting on October 1, 2017, approximately $1 Billion per year in loan forgiveness will become available?   What are you waiting for?  Find out your options for ending your garnishment and getting an affordable payment plan.

Find Out More!!!


We advise borrowers on how to use existing low cost options to repay their student loan debt.


We help borrowers take advantage of a low cost, risk efficient program to repaytheir student loan debt.  We do that by helping borrowers ensure that they have taken optimum advantage of the low-cost repayment options offered by the Department of Eduction (Ed) under the College Cost Reduction and Access Act of 2007.

Post-Secondary Education is One of Life’s Largest Purchases

In a lifetime most people make two large purchases.  Those purchases are for a home, and for higher education. Think about that.  The first or second largest purchase a student loan borrower will make in their lifetime is for higher education! And most people borrow to pay for both, their homes and their education. The exorbitant cost of education for young adults means that as they are starting out their lives they have the equivalent of a mortgage, for an education that will not serve them for a lifetime.

Student Loans Aren’t Like Other Debts

Student loans have special rules.  Unlike all other consumer debts they are exempted from some of the tools that otherwise help borrowers when they get in over their heads.  Protections like bankruptcy and Statutes of Limitations are no longer available to student loan borrowers.  For some borrowers, that makes repayment very tricky.  Student loans also capitalize, unlike almost any other consumer debt.  Capitalization allows student loan debt to grow very quickly.  It’s very important that borrowers get a repayment strategy early.

2007 Was A Game Changer for Borrowers

Since 2007 borrowers with federally guaranteed student loans have had the option to re-pay their loans based upon what they earn, rather than what they borrowed.  In order to take advantage of these programs borrowers have to choose the right plan for themselves (lowest cost, shortest repayment period), ensure that they have the right servicer and get their application and all supporting documents filed. It can be complicated.  And, that is where Student Loan 411 comes in.  We are experts at student loan repayment.  Some borrowers need more help than others.  Student Loan 411 helps employers to help their employees get the right start in paying off their student loans.  In conjunction with employers we can provide student loan repayment program education, and guided assistance to ensure that each borrower optimizes their ability to get the best possible repayment terms..

Younger More Inexperienced Consumers Get Almost No Consumer Protections

Though buyers of higher education are usually much younger and less experienced in financial transactions when they enter into their education purchase transactions, they get far fewer protections than home buyers or other buyers in large purchase situations.  Student education buyers that are financing their education purchase with credit don’t get many protections that are considered routine in other similar large purchase transactions.  Student education buyers who finance their education with debt are not afforded basic protections such as :

  • Required Disclosures of Conflicts of Interest
  • Total Cost Disclosure
  • Access to Bankruptcy
  • Fair Debt Collections
  • Truth In Lending
  • Statutes of Limitations Protections

There are an estimated 48 million student loan borrowers.  That is one in every three working adults.  Because student loan debt is now so pervasive, borrowers, their colleges and universities and their employers all have a stake in every borrower successfully navigating repayment.