You filed your taxes. You expected your refund. Then—nothing If your refund disappeared and you have defaulted student loans, it was likely taken by the U.S. Treasury Offset Program. Why Did This Happen? If you’ve been in student loan default,…
Student loan consolidation is a powerful financial reset button for borrowers in default, struggling with high payments, or juggling multiple loans. At Total Credit Rehab, we make consolidation simple—and effective. What Is Loan Consolidation? Loan consolidation merges your eligible federal…
The rules around student loan forgiveness have changed—again. In 2025, more borrowers than ever are eligible for federal relief, but most don’t realize it—or are on the wrong plan to benefit. The Top Forgiveness Paths Right Now: Why Most People…
Student loan default doesn’t just damage your credit—it impacts your income, your ability to rent, and even your chances at securing business or personal funding. But here’s what most people don’t realize: You can get out of default quickly—within 30…
If you’re receiving threats of wage garnishment or already seeing deductions from yourpaycheck due to unpaid student loans, it’s time to act fast. Wage garnishment can legallyreduce your income by up to 15%—without needing your consent. Why Is This Happening?…