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What if I have received a tax garnishment?

As long as you are not currently in a wage garnishment status, you can consolidate, but you must act quickly. The next step after a tax garnishment is a wage garnishment. Once you are receiving a wage garnishment, we will not be able to help you consolidate.

you will be required to pay based on your income for no less than the first 3 payments. You may be in default due to a financial hardship. A lot of times this will not only help get you out of default but will help lower your payments as well assisting in making sure you will not be forced into default later on.

I keep hearing about Forgiveness. Would I qualify for any of the Forgiveness options if I consolidate my defaulted loans with the Department of Education?

Yes. It does not matter whether you were in default or not. If you qualify for Forgiveness, we will make sure you are receiving those benefits as well!

How long will it take me to get out of default?

It takes 60 to 90 days to complete your consolidation with the Department of Education. That means you will be out of default within 60 to 90 days.

Will I be able to go back to school and receive Federal student loans once I am back in good standing?

Of course.

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