Are wages still being garnished for student loans?
Sarah Duran
Published May 22, 2026
Federal student loan wage garnishment occurs when your employer deducts a portion of your pay to repay your student loan after it defaults. Know that as part of federal Covid-19 relief programs, all federal student loan wage garnishments have stopped until at least Sept. 30, 2021.
What can wages be garnished for in Texas?
In Texas, wage garnishment is prohibited by the Texas Constitution except for a few kinds of debt: child support, spousal support, student loans, or unpaid taxes. A debt collector cannot garnish your wages for ordinary debts. However, Texas does allow for a bank account to be frozen.
How do I stop a student loan garnishment in Texas?
How to avoid wage garnishment
- Make consistent, timely payments.
- Sign up for an income-driven repayment plan.
- Apply for deferment or forbearance.
- Consolidate your loans.
- Rehabilitate your student loans.
- Pay off your debt in full.
Who can put a lien on your house in Texas?
How Does Someone Put a Judgment Lien on My Texas Home? A creditor can file a lien judgment with the county clerk in whichever Texas county the property is located or the debtor has real estate. A judgment lien will remain on the debtor’s property for ten years, even if the property changes ownership.
Can a student loan lender get a garnishment in Texas?
A student loan lender does not need a court order, as Texas permits administrative garnishment, limited to 15 percent of disposable income. Federal law allows a worker subject to garnishment to keep, at a minimum, 30 times the minimum wage amount, which in Texas in 2015 matched the federal rate of $7.25 an hour.
Is it illegal to garnish wages on private student loans?
Private student loans come with a different set of rules regarding wage garnishment. First of all, there are some states where garnishment on private loans is illegal: Pennsylvania, North Carolina, South Carolina, and Texas.
What kind of debt can you garnish in Texas?
1 State Law and Garnishment. In wage garnishment, a creditor applies to a court for an order allowing direct seizure of funds from the debtor’s wages. 2 Marital Separation Debts. Texas does allow garnishment for the payment of past-due alimony or child support. 3 Federally Backed Student Loans. 4 Taxes and Out-of-State Judgments. …
Is there Statute of limitations on wage garnishment in Texas?
Texas Statute of Limitations. In the event that someone has one of those few types of judgments for which garnishment is available in Texas (such as growing out of non-payment of student loans, or an order for child support), they have at least 10 years to enforce the judgment via garnishment or otherwise.
