I have several student loans and they are all in default. my collections agency is about to start a wage garnishment on me. I attempted to call them and find some payment solutions, and they only offered rehabilitation with 9 months of payments at 345$. I informed them I only work part time and could never afford that. what I would like to know is: are there any other options. I've heard of consolidating through the department of ed. but I have no idea what I need to do to do that. also my CA only gave me one payment option and that was direct withdrawal from my account.

So I live in Cali and I took out a loan with NHcash.com. They are not legal in Cali. So now I am being sued in New Hampshire for the loan amount (300+ fees 90) and the court fees (72). I called the court with my case number and its legit. What should I do? Do they have to take it to a court in Cali to get the money from me? I want to pay back the original amount but I can right now. What should I do?

Received a PM from a poster in Texas (see below). I'm hoping other pdl experts on here can help her. I know pdls have to be licensed in TX, and I am aware that the "subject" is a scum bag organization. Can anyone else who's familiar with them give some input for her? Here's her message: (I could not find her original one) "I posted earlier but haven't received a reply and hope you can help. I live in Texas and took out several payday loans in 2008. When the fees became too much I entered a Debt Consolidation Program (Progressive Debt Relief) that I completed in May of 2010.