<prompt> Human: I am paying my student loans, and plan to pay them off completely. I dont have much left at at this point.My coworker, however, told me shes not planning to pay her student loans at all, ever. Whats going to happen to her? Will she have horrible credit for 7 years and then be free?Edit Next question. How do they calculate how much of her wages to garnish?Assistant: Will she have horrible credit for 7 years and then be free? Yes And then they will garnish her wagesHuman: We live in Texas. I think thats illegal in this state...?  <response>: In Texas, your wages may not be garnished by creditors except for child support, alimony, taxes, and student loans. 