Student Contents Insurance Cover at, student car insurance.#Student #car #insurance


student car insurance

Our preferred student insurer is Endsleigh [1]

Tenants’ insurance

Insurance in private rented accommodation

Student car insurance

What are the student insurance options?

Student living arrangements can be somewhat unique, so let us help you find the insurance option that’s suited to your situation.

Need more information?


  • Nosey around the Student insurance campus, for money-saving hints and tips
  • Find your feet with student finance

However, dedicated student policies help squash pricey nonsense and give you just as much protection as the policy at your parent’s place.

So, GoCompare has partnered with the UK’s leading student insurance provider Endsleigh, to stick up for student’s interests and get cover at a fair price. [1]

If you need more convincing, the National Union of Students (NUS) recommends putting Endsleigh in your corner, and they know a thing or two about saving money for students.

Money’s tight – is insurance worth it?

Whether you’re an undergrad, post grad, doctor or master of your subject, don’t underestimate the value of the kit in your dorm.

According to Endsleigh, each student’s possessions are worth £3,375, [4] on average, and that doesn’t include the cash in your pocket day-to-day – imagine replacing all of that in one go without a rainy-day fund, or a sizable arranged overdraft.

Relying on the reach of your parents’ home insurance policy may not protect you either.

On 23 August, 2016, GoCompare examined 438 home contents insurance policies listed on the matrix of independent financial researcher, Defaqto, and found 78% of home contents insurance policies included cover for family members while living and studying away from home.

Revision notes


  • According to Endsleigh, in 2015, 57% of students break or lose their phones while away at university [2]
  • According to Endsleigh, in 2015, male students take almost £1,000 more stuff away to uni than female students [3]

But cover levels differed from £500 to £25,000, so why take the risk?

How to get a quote for shared accommodation

To run a quote have your personal information to hand. You’ll need the address of your student home, your living arrangements, where you’re studying and details of your course.

You can opt-in for possessions away from home (handy if you’re lugging your life to and from lectures), gadget insurance for laptops and mobiles, rent protection and cover for keys, bicycles, musical instruments, tuition fees and coursework.

Student insurance explained

If you have any burning questions about protecting your interests at uni, read the guides and tips on GoCompare’s Student insurance campus.

The campus holds information about pros and cons of a dedicated student policy against relying on your family’s home insurance or the cover provided by your college accommodation, new-for-old policies, out-of-term cover, plus tips on how to keep your belongings safe.

You can also read about student car insurance and student finance, plus other info that might be appropriate for all aspects of your college years, including banking, broadband, travel and partying.

International student insurance

  • Medical costs which are not covered by the NHS
  • Cutting short, cancelling or repeating your course due to accident, illness or sickness
  • The cost of bringing a relative to the UK to visit you following a medical emergency
  • Legal liability cover to pay damages if you accidentally injure someone or damage their property

  • Student car insurance

What bills do students have to pay?

  • Student car insurance

    What’s your dirty little secret?

  • Student car insurance

    Is the driving test shake-up positive?

    How to keep your landlord happy

  • Student car insurance

    Lessons I learned from university

    Eight gadgets gathering dust

    Make your rented house feel like a home

  • Student car insurance

    Compare That! Apples v oranges

    [1] Gocompare.com introduces customers to Endsleigh which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Endsleigh is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    [2] Research by the NUS Insights Team on behaf of Endsleigh, surveying 4,642 students, 16 November, 2015

    [3] According to Endsleigh’s 2015 student survey, June, 2015

    [4] According to Endsleigh’s 2016 student survey, 7 September, 2016


  • Student insurance, Endsleigh, student car insurance.#Student #car #insurance


    Student insurance.

    Student car insurance

    Whether you’re a first-year, postgraduate or mature student, if you’re off to uni you’ll probably need to cover your contents, gadgets or both.

    • 24 hour, new for old gadget replacement – if your gadget is lost, stolen or unrepairable we’ll replace it within one working day of your claim being approved
    • Contents cover – whether you’re living in halls or a shared house. Tenants’ liability cover included – we’ll cover loss or damage for which you are responsible under your tenancy agreement up to £2500

    Student car insurance

    Protect your contents and gadgets with cover that’s built for you

    • Student car insurance

  • Student car insurance

  • Student car insurance

    With over 50 years’ experience, Endsleigh is the No.1 student insurance provider and the only one recommended by NUS

    With our flexible student insurance you can protect all your contents and gadgets, including phones, tablets, laptops, watches, printers, games consoles, handbags, fitbits, bikes, musical instruments, sports equipment and much more all under one policy.

    Great value cover for your contents gadgets

    Student car insurance

    • Contents covered against fire, theft flood
    • New for old replacement for contents gadgets
    • Gadgets covered for loss, accidental liquid damage
    • Tenants’ liability up to £2500 with contents cover

    Our cover is designed for all types of student – you’re protected whether you’re living in halls or a shared house.

    Policy excesses apply. Gadgets must be less than three years old when your policy starts in order to be eligible for cover.

    Choose the items you want to cover

    Student car insurance

    Our policies have been built for students, but we know that every student has different needs.

    That’s why our policies are flexible, and each student can build their cover to protect the items that are most important to them.

    Whether you want to cover just your contents, or add gadgets, musical instruments and more, we’ve got you covered.

    From freshers to graduation and beyond, you can rest assured that we’ll take care of the things that matter most to you.

    What makes Endsleigh the No.1 student insurance provider?

    Student car insurance

    With over 50 years’ experience supporting students, we know that there are other risks when going to university.

    That’s why we also offer additional cover for tuition fees and rent protection, so if you need to leave your course early because of an accident or illness, you’re covered.

    Plus you can add key cover to your policy for less than 70p per month – added protection if your uni keys are lost or stolen.

    Flexible claims solutions

    If the worst happens and you need to make a claim for your essential contents or beloved gadgets, we have a number of flexible claims solutions for you to choose to make sure you don’t have to worry.

    • New for old replacement

    Our approved supplier will replace your lost, stolen or unrepairable gadgets with a brand new model – or the nearest equivalent model if yours is no longer available.

  • Repair

    Our approved supplier will repair your item and provide a guarantee so you won’t have to worry in the future.

  • Apple refurbishment

    If you have an Apple gadget, you can visit your nearest Apple Store and we’ll reimburse you for the cost of obtaining an immediate refurbished replacement.

  • Amazon voucher

    Our approved supplier will email an Amazon voucher for you to redeem straight away.

  • Cash settlement

    If a cash settlement is the best option for you, let us know and we can make the necessary arrangements.


  • Student Contents Insurance, student car insurance.#Student #car #insurance


    Student contents insurance

    By Kevin Pratt on Friday 01 September 2017

    Student car insurance

    We want to make it as easy as possible for you to find the right student contents insurance policy.

    MoneySuperMarket doesn’t currently offer these specific policy types, so we’ve teamed up with Endsleigh to help you find the cover you need.

    Endsleigh has over 50 years’ experience in this area and is the only insurance provider recommended by the National Union of Students.

    Visit endsleigh for student contents insurance

    Security measures

    Effective security can cut your premiums, so check your landlord has installed suitable burglar and fire alarm systems and ensure all windows and doors are properly locked before leaving the house.

    Most policies include a compulsory excess, which is the amount you must pay towards the cost of any claim you make.

    If you choose to increase the excess, you will usually pay a lower premium. Just make sure you could comfortably afford to pay the excess if you needed to claim on your policy.

    Next, you should think about your own possessions. What items do you value most? Once you have a clear idea of what you’d like to protect, there are a number of options you might choose.

    Protecting valuables

    Student contents insurance protects valuables such as clothes, desktop PCs and games consoles inside the student’s room against fire, theft and flood. Some insurers also include tenant’s liability cover, which protects your landlord’s property if you accidentally cause damage to their fixtures and fittings in the property.

    Gadget insurance covers your gadgets against theft, loss, accidental and liquid damage. Not all insurers cover against all these risks automatically though, so it’s worth double checking.

    Some specialist student insurers provide additional cover options to give students that added protection. Cover such as tuitions fees and rent protection, musical instrument and bicycle cover, and even key cover.

    Speedy response

    Should the worst happen, students need their items to be replaced quickly, allowing them to keep studying and stay in contact with friends and family.

    That’s why Endsleigh promises to replace lost, stolen or unrepairable gadgets within 24 hours that’s one working day of your claim being approved.

    Understanding your student insurance cover

    Insurance can sound complicated, with lots of jargon – and it’s especially difficult when you’re buying it for the first time. So we’ve broken down some of the key terms for you:

    • Excess – this is the amount you agree to pay towards your claim. For example, if your laptop is stolen and is covered for £500, you might have to pay an excess of £100. You would then receive a pay-out of £400. The higher the excess you choose to pay, the lower your premiums will be.
    • No claims discount – If you can avoid making any claims, you can build up a no claims discount (NCD) which is applied in future years – this can knock a big chunk off your premiums.
    • Paying upfront – you’ll have the option to either pay for your insurance monthly or as a lump-sum. It often works out cheaper to pay up-front but some insurers do not charge students any extra to pay monthly if the annual premium is above a certain amount.
    • Walk-in theft – This is when an item is stolen, but with no trace of a forced entry. If you’re sharing accommodation with a number of people, it’s definitely worth considering adding this insurance to your policy. That said, it always pays to take care to check your room is locked and secure before leaving.
    • Buildings insurance – this is something you don’t have to worry about. Any reputable landlord should have this in place, meaning should there be any damage or destruction to the home (that you are not responsible for) you will be covered.
    • Additional extras – as mentioned above, you can add extra cover to your insurance policy. Examples of this are protection for accidental damage, loss, keys, tuition fees, or tenant’s liability.
    • Exclusions – every insurance policy will come with some exclusions, which are events or items the insurance doesn’t cover. Make sure you’re aware of exactly what you are and are not covered for.

    Where to next?

    Did you find this helpful? Why not share this article?


    HR and Payroll Software #opera #3,opera #ii,opera,gold,capital,unity,accounting #software,accounts #software,business #software,accounting,accounts,business,pegasus,uk,ireland,small #businesses,finance,financial,modular,integrated,32bit,32-bit,sme,smes,payroll,human #resources,hr,personnel,general,nominal,management #reports,cashbook,bank #reconciliation,banking,sales,debtors,purchase,inventory,traceability,stock,order #processing,invoicing,purchasing,sop,pop,ecvat,job #costing,costing,fixed #assets,bom,bills #of #material,work #in #progress,edi,crm,vat,bacs,electronic #payments,credit #control,manufacturing,mrp,engineering,distribution,epos,retail,wholesale,multi-currency,multicurrency,multi #currency,emu,euro,single #currency,xml,web #trading,ecommerce,web #reporting,internet,extranet,intranet,paye,ir31,p14/60,p35,inland #revenue #tax #credits,national #insurance,ssp,smp,student #loans,basda,custom #& #excise,windows,nt,resellers,dealers,partners,opera #ii #small #business,opera #ii #enterprise,excel #reporting,integration,excel #accounting #software,reporting,business #intelligence,olap,cube #analysis,performance #management,drill #down,management #accounts


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    Opera 3 Payroll & HR

    • Multi-user, with Company and Group password control and menu level access restriction
    • Full integration with Opera 3 Document Management
    • Links to the Nominal Ledger, Cashbook and Costing Financial modules of Opera 3
    • Definable cheque and payslip designs to suit Company stationery requirements
    • Create unlimited Companies with unlimited employees per Company
    • Weekly, fortnightly, four weekly and monthly paid employees can be maintained all in one company
    • Employee profiles for efficient employee record creation
    • Employee payment details and payslip images can be retained for up to 999 pay periods
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    • Employees can be paid via BACS, reducing the time and costs required to process payments
    • Submit Year-End Returns via the Government Gateway using the Pegasus Online Filing Manager
    • In-Year P45(1), P45(3) and P46 file generation for online submission using the Online Filing Manager
    • Filtered Historical employee record processing to current legislative bandwidths
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    • Track report on key field changes for the Payroll year using the Audit Log
    • Backup and Restore facility
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    Employee Records

    • Address, bank details and holidays
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    DLTCRP Services: CNA Registry – Delaware Health and Social Services – State of Delaware, physician assistant student loans.#Physician #assistant #student #loans


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    CNA REGISTRY & TRAINING

    Services

    The Division of Long Term Care Residents Protection is responsible for the training and testing program for CNAs and for the CNA Registry.

    To work as a certified nursing assistant (CNA) in a nursing home in the State of Delaware, either as facility staff or as contract/agency staff, individuals must meet the CNA requirements given in the State of Delaware law and regulations. The requirements include taking required training in an approved program and passing a test.

    Individuals who are shown to be competent are placed on the CNA Registry. The certification as a CNA must be renewed every 24 months. Skilled nursing facilities and nursing facilities (intermediate care facilities) can only hire CNAs who are on Delaware’s CNA Registry, in good standing.

    Registry Status

    To verify if someone is a CNA in good standing in the State of Delaware, you can check the Delaware CNA Registry. You can also call the CNA Registry at (302) 421-7403.

    A facility must not employ individuals who have a negative finding entered into the State Nurse Aide Registry concerning abuse, neglect, or mistreatment of residents, or concerning misappropriation of their property.

    CNA Training Requirements and Training Program Approval

    Anyone who wants to be trained to become a CNA in Delaware must enroll in a CNA training program that is approved by the Division of Long Term Care Residents Protection.

    CNA training programs that will be privately owned and operated must first apply for an obtain an initial certificate of approval as a private business and trade school from the State of Delaware Department of Education (DOE). Please call the DOE at (302) 857-3313 for information. ALL CNA training programs in Delaware must be approved by the Division of Long Term Care Residents Protection before they begin providing training. Applicants should allow 90 days for DLTCRP to act on the request for approval.

    The following gives information on CNA training programs and applying for training program approval:

    Please call the CNA Registry at (302) 421-7403 if you have any questions.

    CNA Competency Test

    For questions regarding test applications, test scheduling, eligibility to test, and/or arranging for special testing accommodations, call 866-664-9504 from 8:00 a.m. to 6:00 p.m., Monday through Friday or download the following documents:

    • Information Booklet containing test applications, testing fees, and Americans with Disabilities Act (ADA) Accommodation Request information.
    • Clinical Skills Checklist.

    CNA Continuing Education

    Continuing education is required by both state and federal law to ensure that CNA skills are kept current in order to provide quality care to the residents of facilities and to patients in the community. In addition to the 64-hour work requirement within each 24 month recertification period, CNAs are also required to complete 24 hours of continuing education found at the free Elsevier website which includes:

    • A minimum of 6 hours of dementia training;
    • A minimum of 2 hours of patient abuse prevention/maltreatment training; and,
    • The balance of required hours will be in other general health care topics.

    Information for CNAs

    Starting July 1, 2015, CNAs will be required to complete all remaining CE hours needed for renewal on the free Elsevier website as assigned by the Division of Long Term Care Residents Protection. After entering your user name and password, click on the view button next to My eLearning Lessons to see your assigned courses, clicking on the title of the course to start. Remember, you must complete the required pre-test before starting the lesson. Upon completion of the lesson, take the post-test to receive credit. Each lesson will disappear from your list as you successfully complete it.

    Nursing students may request general credits for college level nursing courses satisfactorily completed with a C or better during their current certification period by submitting a college transcript to the Division by U.S. mail or fax to 302-421-7401.

    CNA Renewal

    A Certified Nursing Assistant must complete 24 hours of approved continuing education and perform at least 64 hours of nursing-related services for pay in a health care setting under the supervision of a licensed nurse or physician during each 24-month certification period in order to qualify for recertification. A CNA who does not perform at least 64 hours of nursing-related services in a certification time period or fails to complete the required continuing education must complete and pass a competency test.

    Nursing Assistants who fail to obtain a passing score after testing three times must repeat the CNA training program before additional testing is permitted.

    The Division of Long Term Care Residents Protection’s contractor, Prometric, sends a renewal notification form with instructions to all CNAs 45 days prior to the expiration date of the CNAs’ certifications. Effective January 1, 2016, there is a $25.00 fee for renewal. In addition, a lapsed certification can be renewed for a $25.00 fee if the request is made within 30 days of lapsing and the CNA has completed all requirements within his/her certification period.

    The Division must have a CNA’s current legal name and address to make sure that he/she receives the renewal information. It is the responsibility of the CNA to notify the Division of Long Term Care Residents Protection of any name or address change. If there has been an address change, call the Division’s CNA Registry at (302) 421-7403 to report the change. If there has been a name change, submit a copy of the legal document (marriage or civil union license or divorce decree) showing the name change. Mail the legal documentation to the Division of Long Term Care Residents Protection at The Windsor Building, 24 NW Front Street, Suite 200, Milford, DE 19963.

    CNA Reciprocity

    A Certified Nursing Assistant trained and certified outside the State of Delaware cannot work in a nursing home in Delaware without a Delaware certificate. Delaware certification is required before the person begins working as a CNA, whether working directly for a nursing home or through a temporary/contract agency.

    The Division will grant certification through the process of reciprocity if the following conditions are met:

    • The CNA has a current certificate from the State in which he or she currently practices. CNAs from the State of Maryland must also hold a current Geriatric Nursing Assistant certificate to be eligible for reciprocity;
    • The CNA must have three months of full-time experience as a CNA performing nursing-related service for pay under the supervision of a licensed nurse or physician or have completed a training program equal to at least 150 hours; and
    • The CNA must be in good standing in the state or states where he/she is currently certified.

    Application and Instructions for Reciprocity. You can also get a copy by calling the CNA Registry at (302) 421-7403.

    Instructions include that the CNA must complete page one of the reciprocity application and mail that page back to the Division of Long Term Care Residents Protection, 3 Mill Road, Suite 308, Wilmington, DE 19806, with a copy of the CNA’s photo ID and a check for $30, payable to the State of Delaware. Page two of the application must be completed by an employer verifying the required three months of full-time experience or by a training school official verifying that the CNA attended a CNA training program of at least 150 hours. Page three must be completed by the current out-of-state nurse aide registry. Pages two and three must be returned together to the Division of Long Term Care Residents Protection, 3 Mill Road, Suite 308, Wilmington, DE 19806.

    After the Division approves the application for reciprocity, the Division will issue the person a Delaware Nurse Aide Certificate. Individuals must allow at least 30 days for processing the application, and applicants for reciprocity cannot be employed as a CNA until the Division approves the application for reciprocity.

    Physician assistant student loans


    San Angelo Campus #howard #college, #big #spring, #san #angelo, #lamesa, #tx, #swcid, #community #college, #student, #hawk, #academic, #hc, #associate #degree, #certificate


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    Summer / Fall 2017 Registration Is Going On Now. Click here for more information.

    Summer / Fall 2017 Registration Is Going On Now. Click here for more information.

    Howard College Summer and Fall 2017 registration is going on now. Registration will be open from 8:00 AM through the end of registration (June 1 for Summer I, July 6 for Summer II, August 22 for Fall). If you have any questions or concerns, please contact your academic advisor. Classes begin soon, so don’t delay!

    San Angelo News

    President’s List & Dean’s List Achievement

    Students completing at least 12 hours of college-level courses during a long semester with a grade point average of 4.0 are eligible for recognition on the President’s List. Students completing at least 12 hours of colle.

    San Angelo Business Plan Competition

    The San Angelo Business Plan Competition seeks to cultivate business plans that will lead to the development of new ventures, and expansion of existing businesses within San Angelo. Click here for guidelines and more in.

    Blackboard Orientation

    Blackboard Learn is now at HC. Find out more about upcoming Fall 2016 Blackboard orientations below. Select Your Location Big Spring Questions or to RSVP – Contact eLearning: (432) 698-0618 Lamesa Questions o.

    Event Photos: To see pictures from campus events, go to our facebook page at https://www.facebook.com/HCSanAngelo .

    Health Professions Orientations: If you are planning to apply to one of the Health Professions programs, attending an orientation is a mandatory requirement. Even if you have attended an orientation in a previous year you must still attend one for the current school year. No exceptions. Click here for the schedule .


    Student Loan Interest Rates: How They Work and Average Rates Today #rates #on #student #loans


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    Student Loan Interest Rates: Everything You Need to Know

    It’s no secret student loan debt has become a trillion dollar problem for Americans. What’s worse is many people who took out student loans didn’t fully understand their interest rates when they signed the paperwork myself included.

    When I took out loans for school, I accepted the terms without question. I didn’t ask about student loan rates. shop around to compare federal interest rates with private lenders, or spend the time to learn how my interest rates would impact what I would owe in the future.

    If you are in the same boat, read on to learn everything you need to know about interest rates on student loans and how they impact your balance.

    What Are Student Loan Interest Rates?

    When borrowing money to pay for college, lenders need something in return to make the deal beneficial for both parties. That s where interest rates come in your lender will charge an annual fee as a percentage of the amount you borrow. Interest charges are added to the principal balance and paid monthly.

    The annual percentage rate (APR) on your loan will depend on a few factors and can even change over time, depending on what type of loan you have. Right now, it s typical to pay a student loan interest rate of around 3%-6%.

    How Student Loan Rates Are Determined

    Federal student loan interest rates are set by the government and are tied closely to the 10 Year Treasury note, plus an additional percentage, according to U.S. News. Loan servicers are not able to set their own rates on federal student loans, and most loans have a fixed rate through the entire term (though some student loans offer a variable interest rate that can change yearly). New interest rates on student loans are set each spring before the new school year.

    Private lenders, on the other hand, are able to determine their own student loan rates. Although base interest rates are set according to similar factors as federal student loans, private lenders also heavily consider your credit history when determining what you will pay. Private student loan rates can be fixed or variable.

    Average Student Loan Interest Rate

    Federal student loan interest rates for the 2015-2016 school year were announced this past May. Below is a look are current interest rates (note that Perkins loan rates are not included).

    Federal Student Loan Interest Rates 2015-2016

    Average Student Loan Interest Rates From Private Lenders

    Because private lenders can set their own rates according to their own underwriting standards, the average student loan interest rate is based on a wide range. Generally, private student loans tend to have higher interest rates than federal loans.

    Even so, the best private student loan servicers offer interest rates as low as 1.9% for borrowers with good credit. You can check out a list of the best private lenders here.

    How Student Loan Interest Rates Are Applied

    Your student loan interest starts accruing the day you take out your loan. If you took out federal subsidized loans as a college student, the federal government paid your interest while you were in school and during your 6 month grace period. You become responsible for making payments toward the principal and interest the first day after your grace period ends.

    If you took out unsubsidized or private loans as a college student, you accrued interest throughout your four years of college. It’s important to note that you must pay off any late fees and accrued interest first before any of your payments will be applied to your principle balance.

    How Student Loan Interest Is Calculated

    It s important to know how to calculate the amount of interest your student loan debt accrues every day. Usually, this information makes borrowers extremely motivated to pay back their student loans quickly!

    The formula works like this:

    Interest Rate x Current Principal Balance ÷ Number of Days in the Year = Daily Interest

    For a couple of examples, I will show the calculation for daily interest accrued on my husband’s medical school loans and my student loans, too.

    Let’s start with my student loans, which are consolidated federal student loans. My current balance is $32,037 and my interest rate is 6.38%. Plug these numbers into the same formula and you get this:

    0638 x $32,037 ÷ 365 = $5.60 per day

    My husband’s federal graduate and medical school loans currently total $377,654 with an average interest rate of 6.75%. If I plug these numbers into the formula above, I get this:

    0675 x $377,654 ÷ 365 = $68.84 per day (ouch!)

    Yes, that means every day, my husband adds almost $70 in interest to what he will have to pay back in the future.

    Clearly, my daily interest is a bit better than the interest my husband is accruing each day, but it’s definitely a good incentive for me pay back my student loans quickly and skip that Starbucks coffee knowing I already started the day more than $5 behind.

    How to Reduce the Interest You Pay on Your Student Loans

    There are ways to reduce the amount of interest you pay over the life of your loans. The best way is to pay off your loans as quickly as possible. Since interest accrues every day, the faster you pay off your debt, the less interest will accumulate.

    If you have particularly high interest rates on your federal loans, you can also refinance them into a private loan at a lower interest rate. This can save you thousands of dollars over the life of your loan. Want to get a sense of whether you might qualify to refinance? Take our refinancing eligibility quiz!


    Can My Student Loan Creditor Garnish My Wages, my student loan.#My #student #loan


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    Can My Student Loan Creditor Garnish My Wages?

    Student loan creditors can garnish your wages if you get behind in payments. Whether your loan is guaranteed by the federal government or not dictates whether the creditor must first sue you in court, and how much it can garnish from your paycheck.

    Here are the rules for student loans guaranteed by the federal government, and student loans not guaranteed by the federal government (private student loans).

    Student Loans Guaranteed By the Federal Government

    Most student loans are guaranteed by the federal government which means that if you fail to pay back the lender, the federal government will ensure that that money gets repaid one way or another. (Learn more about what a guaranteed student loan is in Nolo’s Types of Federal Student Loans article.)

    The Government Doesn’t Need a Judgment to Garnish

    Most creditors must first sue you in court and get a money judgment in order to start garnishing your wages. Creditors that own student loans guaranteed by the federal government, however, get special status. They do not have to get a state court judgment before attempting to garnish your wages.

    Notice and Hearing Requirements Before Garnishment

    Instead, the creditor must send a 30-day notice to your last known address prior to trying to garnish your wages. You can request a hearing before an administrative law judge to make a determination of whether you should garnished. At this hearing, you can contest whether the loan is actually in default or the amount of the debt, or you can tell the judge that you want to enter into a payment plan.

    Even if a garnishment has already started, you may still request a hearing to assert your rights and concerns. However, the garnishment will continue until the guaranty agency holds the hearing and makes a determination.

    How Much Can the Student Loan Creditor Garnish?

    Federal law allows creditors who own student loans guaranteed by the federal government to garnish up to 15% of your disposable income. Disposable income is your after-tax or take-home pay after federal and state taxes are withheld. Your employer will garnish this money and then remit the funds to the appropriate creditor.

    Alternatives to Wage Garnishment

    Keep in mind that student loan creditors usually only resorts to garnishment if you have outright refused to make payments on your student loans. The federal government actually offers several payment alternatives if you are unable to meet your current monthly obligations. If you qualify for one of these programs, you can pay less without going into delinquent status.

    One option is to consolidate your loans into one federal government consolidation loan. This may allow you to get a lower interest rate and to simplify your finances by combining all the monthly payments into to one, easy-to-manage account.

    The federal government offers numerous repayment options once you have consolidated. When you consolidate your student loans with the federal government, you open up your options as it relates to loan repayment. You can choose from Income-based Repayment, Income-contingent Repayment, and many others. To learn more about student loan repayment options, visit our Student Loan Debt topic area.

    Student Loans Not Guaranteed By the Federal Government (Private Student Loans)

    If the federal government has not guaranteed your student loans (these are often called private student loans) the loans do not enjoy any special status and the normal garnishment rules apply. The creditor will first have to sue you in federal or state court, obtain a judgment, and then submit a court order to your employer directing it how much garnish. (Learn more about the regular wage garnishment process and the wage garnishment rules in your state.)