<prompt> Human: Hello all,My issue is with the Garnishment. I thank all who have gave suggestions around budgeting and credit. Backstory:My great aunt agreed to pay my first years college.she does this for all the kids in our family She has paid it on time since 2009 when I graduated. My mail concerning that loan goes to her residence and is handled by her. Well we family found out she hasnt been keeping up with her payment...including my student loan. She has the money to pay trust but she didnt not keep up with it this last year and didnt give me any details. It is my fault for not checking back with her or even on my loan. I have 2 more that I pay myself so out of sight out of mind I guess.Well as the title stated I just realized my student loan has defaulted. I didnt notice but my wage has been garnished 3 times already.My wife currently stays home with our 5 month old also have a 5 year old so the past few MONTHS have been tight. She has only been home since the baby was born and we also have a cleaning business that we started that should be taking off soon. She isnt permanently unemployed. We just got to a point where I was ok and we could work it out. I am having about 265 taken out of my check bi-weekly. In my current state of finances that would cripple us. I am wondering are there any options for us.I talk to the collection agency Wyndham professionals and the only relief they can offer is LOAN REHABILITATION. I have to set up a income based payment plan and pay 5 a month on top of the 265 being garnished for a total of 5 months 10 garnishments 2600 then they will put it out of default and work something out with mePlease tell me there is another way? I am know it has to be paid but its such a large amount I hoped to come to an agreement with them not paying so much.I hate to deal with them everything seems like a scam. So i wanted to check before I signed anything with them. I cannot afford the garnishment but I know something has to be done.What steps would you take to get this behind you?I have credit Karma...what should I take advantage of? I dont have any other delinquent bills or debts but never looked at credit report prior to this.Thanks for all the replies I have updated op to reflect details  <response>: This is relatively simple. You need a second job and to make things work much better, your wife needs to get a job. 