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Defaulted Student Loans Through Wage Garnishments or The Treasury Department

Updated on February 26, 2016

Recieving my Student Loan

In 1998, 16 years ago I attended a community college in New York. I was young and naive. I decided to get a student loan for $6,400. The actual loans were two loans for $3,200. One for each semester. I didn't realize my actions for receiving these loans would affect me for the next twenty years.

I attended Jamestown Community College for about a year and a half and then I moved down south for the next couple years. After my 6 month deferment, I payed on my Student loan monthly. I remember the payments being $50 a month.

Student loans become Defaulted

I became pregnant and couldn't work. Eventually my Student loan defaulted. I made payment arrangements a few times and made payments as I could afford. Over the years it is hard to remember exactly how many payments I had made. I was constantly receiving calls to pay my Student loan debt.

Wage Garnishment

In 2008, I was working in New York at my current job and a wage garnishment was put into affect. The garnishment was for over $10,000 on the $6,400 student loan I had received ten years earlier. There was also one year prior to the garnishment, where some of my tax return was taken.

Since the garnishment was put into affect I have not ever heard from the creditor who has my Student loan. I have not ever received anything on what I owe or what I have paid so I can file my taxes. For years, I have tried calling Sallie May, who actually gave me my loan just to be told it was sold to a third party.

I contacted my payroll department. I was given a 1-800 number and called it. They also informed me they didn't have my loan, it was sold to a third party. I spent time calling many different creditors just to be given another number to call. It is very frustrating.

When looking at my pay stubs, I noticed in the last two years alone, I have paid $6000. Years prior, I made a little less but I know I had at least paid $1000 a year. Some times I feel like I'll just have to pay on this the rest of my life. I currently have $200 to $300 a month garnished.

How to Find Information on How Much You Owe on Your Student Loan

Today, I finally located a site where I can finally find Information on my defaulted student loan. It is called the NSLDS.

The site is the central database for the Department of Education. It has information on loans and grants so that people can access information on them. The site claims to give information on loan amounts and statuses. To be able to access information you must provide your social security number, birthday, first two letters of your last name and your four digit PIN number.

In order to get a pin number, you must go to:

It takes one to three days for you to be verified and to be able to use your PIN to access your student loan information. The PIN will expire if not used within 18 months and you will have to reapply for a new PIN.

I hope many people find this site useful and do not struggle for years trying to find Information on your student loan debts. You will be able to access your student loan debt, who has your debt and how much you owe on your student loan. NSLDS has information on title IV loans only.

If you believe the information is not correct, you can contact DCS an office of the US Dept. Of Education at 1-800-621-3115 or for loans that are in default or the school closes.

You can also call 1-800-304-3107 to find out if you have any federal debt that could be taken by the Treasury Department from your taxes.


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