There is a Bloomberg news story about a teacher getting garnished. Within the section titled "Last Resort" a spokesman for the Department of Education says lawsuits are a last resort and former students get sued after 4 years of non-payment. Is that true? Was I told this when I signed up for the loan? This is news to me. I thought the garnishments were somewhat automatic and do not need a jury, etc. You know, bam, you are in default, here is some paperwork. Fill out this info, where you work, social security number, etc if applicable.

Why are they waiting that long? Can you tack the 270 or more days of delinquency on there as well prior to default? It takes 4 years and 9 months before you get sued for federal student loans?

I saw this story and did not know anyone to ask for an answer, figured ExpertLaw community would know. Read that article, 5 million in default!