When you are in default, your loan servicer (which may be the federal government or a contractor for the federal government) can start the garnishment process with your employer.
The loan servicer contacts your employer to determine your earnings.
However, you can still request a hearing, and the garnishment will end if you win your hearing.
The Notice of Intent to Garnish must include the following information about your rights: Read the notice carefully.
If garnishment occurred less than 30 days after the date of the notice, or if the notice does not contain the required information, that is a reason to request a hearing.