<prompt> Human: As stated.Im going to grad school atm but have a couple loans from undergrad remaining. After talking with Nelnet they outright refused to lower my payments, and I told them I wasnt giving them anymore than the amount that works for me.I brought this up to my employer small business, but generates just shy of a mill a year and he has agreed to ignore the government requests to dock my pay so they can garnish my wages. He has also suggested going off the books so we can ignore the government completely.Heres the kicker: this is my last year of grad school and its already paid off thanks to me working my butt off at my current job. All I need is my grad degree before my current employer who Ive known all my life puts me on in a lead position generating 70k straight out the gate.Im fine with paying at that point but not yet. What are the odds the government will come after me and put me in jail? Im not interested in debating morals because Ive tried negotiating with them and they didnt listen, so therefore fuck them.  <response>: Not even sure where to begin, but for starters: your employer cant just ignore a garnishment request, paying you off the books is illegal, and not paying your student loans will trash your credit. So... good luck with this plan. 