Well I'll let you know what happens.

Was hoping someone would have been through this to get an idea but guess we're not in that common of a situation.

My 9th payment is July 15th so hopefully I can find out then.

I'm not being garnished since I started my rehab and was self employed before moving to Colorado. I initiated the rehab once I started working here. At the time they didn't even know what state I was in. However my Federal returned was garnished even though I was 4 months into the rehab at the time. State wasn't touched.

One thing I don't like is how 95% of all my payments are towards interest and fees. I'm in an agreement that my fees would drop off and my interest would be reduced once rehab is complete. But if I was responsible 12 years ago I wouldn't be in this situation.

Hopefully I can have a deducible on these payments since it's nearly all interest next years return.