How can you stop student loan tax garnishment?

1
How can you stop student loan tax garnishment?

• After missing one payment, a student loan will be
  considered late. Your loan will be declared in
  default if you keep missing your payments for
  more than 270 days (for federal student loans) or
  120 days (for private student loans).
• Student loan default can have severe
  consequences. If you default on federal student
  loans, your tax refund may be withheld. This
  process is known as Treasury offset (sometimes
  called tax garnishment). It is important to
  address a student loan default immediately.
  However, you should take steps before filing
  taxes to avoid having your refund withheld.

2
How can you avoid default?

• Private refinancing
• Refinance student loans is when you pay off your
  existing loans and take out a private student
  loan. This will leave you with only one loan to
  manage. Refinancing may offer you a lower
  interest rate depending on your credit score.
  This could help you save money and pay down your
  loans more quickly. This way you can avoid to be
  default student loan garnishment and tax refund.
• Federal consolidation
• You can also consolidate federal loans into one
  Direct Consolidation loan to avoid default.
  Federal student loan consolidation will not lower
  your interest rate but you can increase your
  repayment term by up to 30 years. This could
  significantly reduce your monthly payments.

3
What time will your tax refund become garnished?

• The Treasury Offset Program will notify you if
  your tax refund is being garnished. This notice
  must be received at least 65 days prior to the
  offset. You will be notified by the Treasury
  Offset Program (TOP) about what you can do to
  stop or dispute the offset.
• For your student loan that has been defaulted,
  set up a rehabilitation plan.
• Ask for a copy and inspection of your records.
• Object to the offset.