When you have stopped making payments on your student loan you are said to be defaulting on the loan.
The US Dept. of Education can then start a student loan garnishment. Your employer will have to take up to 15 percent of your wages.
You will receive notice of this about 30 days in advance. Then you can request a hearing and try to negotiate a better payment schedule.
Filing for Chapter 13 bankruptcy is another option but this also has other implications.
It is best to seek legal assistance from a lawyer before going down that route.
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