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Of course, life didn’t go as smoothly as I had envisioned as an 18-year-old. Fortunately, I had a six-month grace period before I had to start repaying my loans after graduating and I was confident something would turn up.

This became glaringly apparent 10 years later, when I received an email from the HR department at my company: We are commanded to immediately remit 15% of your disposable pay to the U. But six months later, the only career-related job I’d found was an unpaid internship at a small literary agency.

Not to mention there is no time limit on how long they can try to collect on your defaulted loans.

Collectors for defaulted private student loans do not have the same collection powers, but defaulting on both types of loans will have a negative impact on your credit and make it nearly impossible to borrow for a house or car for many years to come. You don’t have 0 to pay a company to help you with your defaulted loans?

It’s not a shameful or embarrassing position to be in. And, as I’ve recently learned, we have options if we aren’t afraid to pursue them. When that job finished, I moved to New York for graduate school and deferred my loans while studying for my master’s degree in education. I decided that I didn’t want to be a teacher anymore.

We all have our reasons for being in this situation. After graduation, I spent a few years teaching English abroad and paid my student loans every month without fail.

And depending on the type of loans you have, creditors can take some of your wages, withhold your tax refund or take you to court to collect the debt you owe.

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Make nine out of 10 on-time payments using the same formula as Income-Based Repayment, which would cap your monthly payment to 15 percent of your income or less.

According to a study done by the Federal Reserve Bank of New York, of the 37 million borrowers who have outstanding student loan balances, 14.4% have at least one past due student loan account (as of third quarter, 2011). Nearly one in 10 borrowers who started repayment in 2009 defaulted within two years – and that’s just for those starting repayment in 2009.

Defaulting on your student loans can have massively negative consequences: the federal government has powers to recapture your tax refunds, garnish your income without taking you to court, and can even garnish certain amounts and types of Social Security income.

I was also broke and about ,000 in debt to the U. So, while I tried to figure out what career I wanted to pursue, I went back to serving to pay the rent.

I had no idea what I wanted to do career-wise — I had some vague idea of doing something in book publishing — but other than that, I was at a loss. I funded all of my college and graduate school living expenses on my own by waiting tables.

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