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Hi!
Welcome to the forums!
Creditors/collection agencies can garnish your wage after obtaining judgment order from the court. So, are you sure that they have secured the judgment order? Did you receive any kind of documents from the court? I think, you should first check that. The entire episode seems suspicious. Contact a good lawyer as soon as possible.

Well I got this letter from the us dept of education saying final notice of wage garnishment
Ed will order my employer to begin witholding 15%

Also I just called the debt collector and they said they don't need a court order it's the federal government what do I do? Please help me!

Federal loans do NOT require a court order...it is authorized by congress as administrative wage garnishment.

If you were involuntarily seperated from your last job and you have been at your job for less than 12 months, you must provide the documentation to avoid garnishment.

Do you think I should call one of those debt consolidation places or should I fill out that worksheet.. I really can't wait and afford to have my paychecks garnished...

Nope....student loans cannot be submitted to debt management programs. You have to fill out the work sheet and submit it with all documentation requested.