Student Loan Debt is now the second largest category of consumer debt, trailing only mortgage debt.  According to the financial marketplace Make Lemonade, the US has over 44 million people carrying a combined $1.4 trillion in debt.  And recently, the average amount of debt for a member of the Class of 2016 was over $37,000…

Have you received a letter telling you that you’ve defaulted on your student loans and the government is threatening to garnish your wages? Is your employer already garnishing your wages? Unlike a private creditor, when it comes to student loans, the government doesn’t have to sue you first to obtain a judgment and then garnish…