Student loans are unlike almost any other kind of debt. Since the U.S. government essentially is your creditor, student loans are more like taxes than like conventional loans. If you fail to pay your bills, there is hardly a worse creditor to have than the government.
The legal steps that are necessary to garnish your wages are significant, even for the government. You do not have to worry about garnishment if you pay late on, or even miss, one or two payments. If you are habitually late with your payments or miss several in a row, however, you will be considered in default. In this case, the federal government can - and will - garnish your wages.
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