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Student Loan Law: Collections on Defaults


Federal student loan collection powers are so extensive that the US government rarely needs to sue borrowers, opting instead for an array of extra-judicial collection tools. There is no statute of limitations on the collection of student loan debt from the former student.

Due to the Coronavirus, debt collections activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits (e.g., federal income tax return benefits, Social Security benefits) are suspended on ED-held student loans from March 13, 2020, through November 1, 2022.

Tax Refund Offsets

Debt Collection Regulations

Non-Judicial Wage Garnishment