34 CFR §34.6
Before starting garnishment, we provide you the opportunity—
- (a)To inspect and copy our records related to the debt;
- (b)To enter into a written repayment agreement with us to repay the debt under terms we consider acceptable;
- (c)For a hearing in accordance with § 34.8 concerning—
- (1)The existence, amount, or current enforceability of the debt;
- (2)The rate at which the garnishment order will require your employer to withhold pay; and
- (3)Whether you have been continuously employed less than 12 months after you were involuntarily separated from employment.