I currently have a defaulted student loan assigned to DCS. I would like to rehabilitate, but they want way more than what is reasonable and affordable. It seems as though they will not budge. How do I negotiate with them? I previously submitted documentation so they wouldn't garnish my wages, and it was ruled in my favor, but they still would not move from the high payment for the rehab. I want to do the rehab program, but it almost seems impossible.