Are You at Risk of Wage Garnishment From Student Loans?
📉 Are You at Risk of Wage Garnishment From Student Loans?
Millions of student loan borrowers are facing a major financial threat — wage garnishment.
If you’ve missed payments or lost track of your federal student loans, the government may start taking up to 15% of your paycheck directly from your employer.
This can happen without a court order.
⚠️ Key Updates You Need to Know
Federal collections resumed in May 2025 after a long pause
Over 3 million borrowers could enter default by August
More than 6 million are already behind on payments
Wage garnishment can hit your tax refund, paycheck, or even Social Security
“I had a good job, but I didn’t realize I was already in default. Then my check came up short.”
— Tulsa Client, 2024
💸 How Wage Garnishment Works
When a federal student loan defaults (usually after 270 days of nonpayment), the U.S. Department of Education can:
Automatically garnish up to 15% of your disposable income
Offset your IRS refund and Social Security benefits
Send your account to collections, adding more fees and stress
This is all federally authorized and can happen even if state laws would normally protect your income.
❓Why Are So Many High Earners Still Falling Behind?
Even professionals making $60K–$120K are struggling with:
Confusing repayment plans
Life disruptions like layoffs or medical emergencies
Misinformation or lack of communication from loan servicers
You’re not alone, and this isn’t about being irresponsible. It’s about systems — and strategy.
✝️ Biblical Wisdom for a Financial Reset
“Plans fail for lack of counsel, but with many advisers they succeed.”
— Proverbs 15:22
Our financial coaching brings structure, peace, and God-centered stewardship to a chaotic situation.
🛠️ What Lionhood Financial Coaching Can Do for You
Review your current loan status
Help you apply for consolidation or rehabilitation
Navigate income-driven repayment plans
Stop garnishment or recover from its effects
Build a sustainable budget with faith-integrated tools
✅ Take These Steps Right Now
Go to studentaid.gov and check your loan status
Contact your loan servicer to discuss IDR or rehabilitation
Book your free student loan strategy session with Lionhood
We’ll help you map out the best next steps before garnishment steals your peace.
📣 Client Testimony
“They helped me create a plan that gave me control again. I feel hopeful — and protected.”
— Young Professional, Remote Client
🧭 Verse of the Week
“Commit your work to the Lord, and your plans will be established.”
— Proverbs 16:3