If you are behind on Student Loans

Being in default status on a federal student loan is a serious situation in which your wages and tax refunds may be garnished. The Supreme Court has recently ruled that even Social Security benefits may be garnished. You may have grounds for a loan cancellation if your school closed while you were attending or you are now totally and permanently disabled. You also may be able to request and receive an income-sensitive payment plan in which your payment is based on what you can afford. To find out more about these options, see the information available from the National Consumer Law Center or US Department of Education.