Anyone who defaults on a student loan faces serious consequences, such as wage garnishment, a ruined credit report, and sometimes even a lawsuit. North Dakota residents risk state penalties, as well.  

• Your North Dakota professional license may be suspended.
• Your state income tax refund and other state payments may be seized.
• Your school may withhold your transcripts or other academic records.

To learn about wage garnishment laws and restrictions in North Dakota, see the Wage Garnishment page at Nolo.com.

For help avoiding default, see What If I Can't Pay My Student Loans?

For information about rehabilitating defaulted loans, see How to Get Out of Student Loan Default.