[Pinball]

How would a student loan-related wage garnishment work if an employee's entire income is tips?

The $2.13/hour wage I earn from the restaurant is always completely eaten up by taxes so I rarely ever get an actual paycheck. The money I earn is nearly always 100% from tips. On the rare occasion when I do get a check, it's always for some tiny amount, like 30 cents or $1.15 or whatever.

Are tips (or at least, the credit card tips, which are formally logged and claimed by the restaurant) subject to garnishment?

I live in Texas, if that means anything here.

Thanks!

[Mr. Knowitall]

If the tips don't go through the employer - that is, the employee takes cash tips home at the end of the day - then the garnishment would be difficult. If the employer process the tips, e.g., as a result of credit card payment, they may well end up being subject to garnishment.