:: Wage Garnishment ::

Garnishment - also called Administrative Wage Garnishment (AWG) - is the withholding of a portion of an individual’s paycheck by his/her employer to be applied to a debt owed by the individual. The amount withheld from the paycheck is sent by the employer to the employee’s creditor to be applied to the outstanding debt.

If you have questions, contact our AWG Unit in the Recoveries department at 800.777.3394 (toll-free), 405.225.9204 or AWGInfo@osrhe.edu.

One of the ways we collect payment on defaulted loans is through AWG, which allows garnishment without a court order. A Federal Statute (20 USC 1095a et. seq.) allows us to garnish 15 percent of a defaulted borrower’s disposable pay until the debt is paid in full. Disposable pay is the portion of a paycheck remaining after the deductions required by law are withheld.

A minimum of 30 days before any garnishment, notification is sent to the borrower of the agency’s intention to garnish wages. The borrower is given an opportunity to review records relating to the debt, to resolve the debt voluntarily and to have a hearing concerning the debt.

More information is available in the forms below.


Borrower Forms:


Employer Information & Forms:

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