<prompt> Human: I know it seems a strange question to ask...just make monthly payments on your own. I have quite a few outstanding debts and expect one or two of them to sue and get judgements against me. Since except under very unusual circumstances, student loan debt isnt dischargeable under bankruptcy. For right now thats not realistic path for me to pursue anyways. I am wondering if I can get a wage garnishment for the maximum 25 to go towards Navient that way if I due get sued later that their garnishment would have to wait until Navient was paid in full.If I just try and make monthly payments to Navient and later get sued where someone else is getting the full 25, well that would make it impossible to continue making payments to Navient. This would really make the eventual bankruptcy even more painful. Hope I explained this clearly, thank you in advance for any advice.  <response>: Im not sure I really understand the point of that. Garnishment priorities are set by law; it doesnt make a lick of sense to try and get your student loan servicer to garnish your wages now, when you can make the payments on your own, in the hopes of somehow doing... something... about a future lawsuit that someone somewhere might file against you. The court would set the priority of who gets paid first regardless of who sued first, according to state law, and its not something that you would get to alter. My advice? Try your best to get your financial house in order if at all possible. Dont rely on any kooky tricks to change things. If you can, try to work out payment plans and settlement agreements with creditors so that they dont have to take you to court and soak you for everything they can. A lot of times they will work with you if you make an effort to show that you are willing to pay anything at all. Waiting to get sued should be an ultimate, last resort after youve tried literally everything else within your power. 