Sallie Mae can garnish a borrower's wages if that borrower defaults on repayments, according to Sallie Mae's website. Default occurs after a borrower goes 270 days overdue on a payment.
Along with wage garnishments, the Sallie Mae site also states that defaulting on a loan may result in difficulties on gaining employment should a potential employer run a credit check on the borrower. Borrowers in default may also have IRS tax refunds seized in order to pay back the loan. In addition, borrowers are subject to lose eligibility for any future student loans, and open themselves up to a lawsuit from Sallie Mae for the full loan amount.