Stephanie Dockery
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I got a letter in the mail saying my social security was going to be garnished due to student loans. I had went to school years ago and wasn't working at the time. I didn't realize I had taken a class three different times and failed each time, even though I used a tutor for help I still couldn't grasp the concept of the terms so I was dismissed. I've never refused to repay the student loan(s) I just have a child to provide for and now a husband of 3 years. My social security check only covers most of the basics which include rent, electric, our phones so we can search for jobs and stay in contact with everyone we need to, a small car title payment so we can get back and forth to any jobs(needs repairs but still usable), and after paying those I still don't have enough to pay the water bill. God's blessed me with just enough to cover the remaining bill but unfortunately leaves us broke until the next month. I recently was hired for a seasonal job but doesn't start until April, my biggest concern is when that job is over in a few months and it's just that one check again. I can only work part-time and jobs close to home within walking distance aren't easy to come by just in case our car does break down. That was the reason I had to quit my job the last time, I lost transportation. I know God provides us with what we need but every opportunity given to make things better is quickly taken away shortly after, making things harder. I wanted to take care of the smaller bills first before tackling the bigger ones like my student loans, by taking care of the smaller ones I can work more things in. Please pray for us.

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311 Comments
over 3 years ago
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Debbie Hendren

have you asked about help with student loans. mine are being severed thank god they are i do not have the money to pay it. i understand were you are coming from good luck god bless

3y
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Franky Acabeo

Can the loaner and work with them, they'll be happy even to give $50.00 a month from you, this way they wont garish your check.

3y
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Kendace Johnson

I work for a student loan debt collection against. First off yes they can garnish your social security. Find out for sure what company holds your loans. Tell them you want to enroll into the Rehabilitation program. You will more than likely qualify for $5.00 payments. Make sure to turn in all the paperwork asap. Accelerate your payments. You can make two payments in your first month. After 5 payments they will stop garnising your checks. After 9 they will pull your loans out of default. Once out of default. You can apply for forbearance and deferments. You can also consolidate your loans when they come out of default on financial hardship or income driven and could qualify for a $0.00 payment. Also, if the company tries to charge you for the rehabilitation program they are not your actually collection agency. This is free and your actually collection agency will not charge you. You can call the US dept of education directly to find out who has your loans.

3y
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Bass Master

I lost my house due to a house fire total lost my wife took off with my truck and work tools I didn't have home owners insurance so long story short I'm homeless in Nashville TN living in a tent I just got a job but it's hard starting from the ground up..

3y
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Howard Sullivan

I miss more and likely a scam so don’t send him any of your information

3y
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Howard Sullivan

That’s Against the law they can’t do that they can’t just garnish her wages are garnished anything fight them do the do your research

3y
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Mary Otto

If it wasn't a Fedral gr Student grant i wouldn't worry

3y
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Ray D

And what Saw W. Said

3y
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Ray D

Yes, exactly what Pat said....

3y
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SAW WIN

Hello Stephanie,

Write a sincere letter to them and let them know that you are in financial hardship, and what your other issues are. They will probably drop the garnishment until you find something that will allow you to set up installment payments.

3y
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