<prompt> Human: Hi PF!So apparently wage garnishment has just started on my default student loans since I now see it being taken out of my checks!How do I get out of this? I hear you can consolidate your loans into one loan and pay it off with by the income based repayment program to bring it to a current standing? How do I go about this? Do I call the fed student loan number or do I call the collection company? Im so confused on what to do! The money being taken out is way too much for me to handle from my check. Thank you!  <response>: This was a problem that you could have seriously avoided. You could have gotten them deferred, or even set up income based payment plan to where you have to pay nothing. I was paying 10 a month for a year. I would call the fed student loan number and see if they can help. If it has already gone to collections then call collections. 