To rehabilitate your loans, you need to make nine on-time qualifying payments. Remember, each of the nine payments must be made within 20 days of the due date over a ten-month period and voluntary in order to count towards rehabilitation. If your wages are being garnished, you will have to make these voluntary payments in addition to the garnishment. Once you make the first five payments under the rehabilitation program, the garnishment order will be suspended. You may only receive the benefit of this suspension once so it’s important to keep making those rehabilitation payments on time.