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Can private student lenders garnish my wages?

Short answer

Usually only after suing you and winning a court judgment. Respond to any lawsuit on time.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

StudentAid.gov: getting out of defaultstudentaid.gov
CFPB: student loansconsumerfinance.gov
FTC consumer advice: student loan debt relief scamsconsumer.ftc.gov