<prompt> Human: I have defaulted student loans which have been sent to a collections agency and this month they will be starting wage garnishment. After speaking with a representative I have been set up for a Loan Rehabilitation program which will take 224 a month on top of the around 150 wage garnishment and Im not sure what else to do. I make 36,000 a year and am married with two children, I dont know how Im going to afford this. Any help or suggestions would be greatly appreciated.  <response>: Please post your complete financial picture, income, expenses, debts, interest rates. 