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(Learn more about wage garnishment for child support arrears.) If you are in default on a federal student loan, the U. Department of Education or any entity collecting for this agency can garnish your wages without first getting a court judgment – this is called an administrative garnishment.The most that the Department of Education can garnish is 15% of your disposable income, but not more than 30 times the minimum wage.

Different garnishment rules apply to different types of debt -- and there are legal limits on how much of your paycheck can be garnished.Kentucky law limits the amount that a creditor can garnish (take) from your wages for repayment of debts.The Kentucky wage garnishment laws (also called wage attachments) essentially mirror the federal wage garnishment laws.Federal law places limits on wage garnishment amounts.While states are free to impose stricter limits, Kentucky has not done so. Here are the rules: On a weekly basis, the garnishment cannot exceed: “Disposable earnings” are those wages left after your employer has made deductions required by law.

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