If you have a student loan that is in default, before any wages of the borrower can be garnished by way of a garnishment order issued by the court clerk, there first must be an underlying judgment against the borrower for a certain dollar amount. Just because the borrower has fallen behind in payment does not in and of itself allow for the issuance of a wage garnishment order.Meaning, the statutes in all states in this country first require that a lawsuit be filed where there is a resulting judgment against any person. In your situation you make no reference to a judgment against you. If there is no judgment against you, I fail to see how a wage garnishment can be validly issued as to your wages via your employer.