Q: Can my wages be garnished if I can't make my monthly student loan payments?

A: Student loans are a unique kind of debt. They're backed by the U.S. government, so they work more like taxes than a loan. If you can't pay your bills, the federal government isn't a good creditor to have. Luckily, it's a pretty major process, even for the government, to set up wage garnishment. If you miss a payment here or there, even a couple in a row, you probably don't need to worry about having your wages garnished. However, if you make a habit of skipping payments or if you miss several in succession, the government will consider you ""in default."" Once you've reached this stage, the government will consider it worth their time to garnish your wages.

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