I imagine a lot of people here have student loan debt like me. This should help

Sometimes in life you come across something that seems like it just simply can't be true. This seems like one of those things, but in this case it is absolutely and unbelievably true.

In almost all other parts of the financial world, someone who is even slightly behind on their bills is considered to be a bad credit risk and lenders shun them. Nobody seems to want to lend you money when you need it the most. That is till this program came along.

But much of what you would assume when it comes to dealing with student loan debt is in reality the opposite of what you would expect.

Take being more than 270 days past due on your federal student loans. It's not till you get nine months behind on your student loans that you are even considered to be in default. Up till that time you've just been mildly delinquent.

The government doesn't like student loan holders to be in default. But what they like even less is for people to put their head in the sand and ignore the situation so horribly that it winds up requiring the government to engage an Administrative Wage Garnishment. But hell, even those are easy to stop if you know what to do. In fact if you want to know that secret, click here.