2 years ago my student balance when graduating was 138K, today its 198K with forbearances and late fees etc. I am now 68 days late on the ridiculously high payment, ~1200, and they won't lower my payment to something i can afford ~600, so thats when I stopped giving them any money. I live in Texas and my understanding is that its illegal to garnish wages here and since its private they can't take my tax returns. Well I recently sold some property I inherited awhile back and will take home 145K.