<prompt> Human: Using throwaway because Im dumb. In fall 2012 I went to a university and completed two semesters and then went back home and started working. I have federal student loan debt from that one year. Just a few months ago they started garnishing my wages for the unpaid loans. I work at a retail establishment and I used to make 450 a week and since they started the garnishment its down to 370 per week. Is there any way I can lower those payments?  <response>: Call them and ask? You could have gone for Income Based Repayment, but instead you ignored the bills. It might still be an option but you have to call and talk to someone about setting up a proper payment plan. 