Plain language calculators and guides for student loan default, garnishment, rehabilitation, and recovery. No account. No spam. No selling your data.
Estimate how much of your paycheck could be withheld for a defaulted federal student loan — and what you can do to stop it.
Guides and tools for every stage of default — from first missed payment to full recovery.
What happens at 30 days late, 90 days, 270 days, and beyond — the full sequence from first missed payment to garnishment and recovery.
Understand how much can be taken from your paycheck, how the 15% federal cap works, and what the $217.50 floor means for you.
Find out if your federal tax refund is at risk, how to check before you file, and what to do if your refund was already intercepted.
If you receive Social Security and are in default, part of your benefit can be withheld. See how much is protected and how much is at risk.
The only option that removes a default from your credit report. Nine income-based payments over 10 months — and garnishment stops after payment 5.
The SAVE plan has ended and new repayment plans take effect July 1, 2026. Here's what's changing and how to choose.
Plain-language answers to the questions borrowers worry about most.
A free resource for everyday financial decisions — built specifically around student loan default, garnishment, and recovery. Every tool is designed to be fast, plain-language, and honest about what it can and cannot tell you.
These are educational tools — not replacements for professional advice. We are not affiliated with the government, the Department of Education, or any loan servicer.