Questions About Rehabilitation

[stacyppl]

So, I submitted the paperwork for student loan rehabilitation. It looks like it was accepted because a repayment plan is now listed on the myeddebt website for $224 a month, 1st payment due on the 09/30/2021. Before the Cares Act barred student loan collection, I had a garnishment of over $400 a month. This now leads to a few questions for clarification. It is my understanding that if one is in rehabilitation with a wage garnishment,  5 payments must be made to get out of garnishment, is this correct? Also, due to the Cares Act, the payments that one would have made in rehabilitation still count toward the 9 months of rehab payments, is this correct? If so, considering my payment due date, I will have been credited with 5 payments by the end of the Cares Act extension of the prohibition against student loan collection on January 31st (unless it is extended again, of course). Will this also mean that my wage garnishment will end February 2022 and I will just have to make 4 more months of payments? I just want to make sure my thinking is correct. Any insight and clarification is welcomed.  Thank you. 

[centex]

Given the peculiarities of the CARES Act, I would have to suggest speaking with the Ombudsman.  Things in the past year and a half are not as clear as they used to be...now there are floodwaters in the Northeast that are more clear than student loan collection issues

[stacyppl]

Thanks for your reply. When I get the official rehabilitation paperwork in the mail, I will call.