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How to Avoid AWG With Student Loans

Attending college often can be expensive and may require student loans to cover the costs. Accepting student loans to pay for school are legally binding, and the consequence for ignoring that financial obligation can lead to an administrative wage garnishment, AWG. Making payments on time or communicating with the lenders can ensure that the legal process involved in stopping an AWG isn't necessary. There are only three regional locations in Atlanta, Chicago and San Francisco for in-person hearings. The cost of attending a hearing is more costly than discussing available payment options.

Instructions

- 1
  Call the lenders of the defaulted student loans. Student loans go into default before before an AWG is sought.
- 2
  Negotiate with the lenders regarding payments plans. Reach an agreement on an amount that is to be paid every month. Pay this amount on time to avoid an AWG.
- 3
  Seek appropriate deferments or forbearances of payments, if applicable. Financial documents proving qualifying status must be sent to the lender.
- 4
  Request an in-person hearing from the Department of Education. Send the Financial Disclosure Statement with supporting documents to the address provided on its website, and attend the hearing at the location indicated.

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