<prompt> Human: I know, I didnt answer the phone when I saw an 800 number. I tossed the letters. I didnt want to deal, I couldnt deal, I had nothing to give them anyway. So the inevitable happened, and now I am being garnished for my student loan. About 110 a week. Add in child support, health insurance, etc., I get around 400 a week from my 890 check. I owe 20k in student loans, 7k are my wifes that we consolidated together. I have a POS car, small apartment, nothing extravagant. However, its hard to get ahead when you are left with nothing to get ahead with. I have a spreadsheet budget, will post if curious and not against the rules.I am a network admin for local government, this is my 11th year. Isnt there something with that? All I could find are things stating that if you make X amount of payments on time - well, it was either rent or student loan. Dont let me forget that I owe 10k to the IRS. Apparently my wife and I made enough not to get all the credit for kids, and just enough to owe huge amounts. Shouldnt be long before they start the garnishment. Speaking of, my wife and I are separating, which I have a son with. Throw on some more child support. However, I think her lack of financial discipline and 2 extra kids no support income helped put me in this deep hole. Now to get out...  <response>: How about calm the fuck down, look at whats coming in and going out, stop looking at yourself as a victim and try to improve your life. we in this sub can give you ideas, show you the way, but you have to walk through that door. step one of walking through that door is finding out and posting your expensesincomeinterest ratesBonus: step two, be honest with yourself 