MD Student Loan Debt

Maryland Student Loan Debt Laws

Everything you need to know about student loan debt in Maryland: SOL is 3 years, garnishment capped at 25% of disposable earnings or $145/month (lesser), and 2 state-specific protections apply.

3 years

SOL (written contracts)

$37,338

Avg student loan debt

25% of disposable earnings or

Garnishment cap

How to Dispute Student Loan Debt in Maryland

Apply for income-driven repayment (federal)

Check eligibility for Public Service Loan Forgiveness

Dispute private loan terms under state contract law

Challenge servicer errors via CFPB complaint

Verify correct loan balance and payment history

Maryland State Law

Maryland Consumer Debt Collection Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Maryland Consumer Protections

Short 3-year SOL for all debt types

Collectors must be licensed in Maryland

Student Loan Debt Tips for Maryland Residents

Federal loans have no statute of limitations

Private loans have state SOL (typically 3-10 years)

Servicer errors are extremely common — audit your balance

Dispute Student Loan Debt in Maryland

DebtShield generates AI dispute letters that cite Maryland law (Maryland Consumer Debt Collection Act) and federal FDCPA protections.

Generate Maryland Student Loan Debt Dispute Letter