My wages were recently attached for my federal student loans. I owe approximately $8K. They are taking 15% of my take-home pay. I cannot dispute that I owe the debt, that isn't in question. However, my ability to pay is the issue. I simply cannot afford to lose ANY of my disposable income. I am single, have 4 children. I do share custody with my ex-husband 50/50, but I still owe him child support in the amount of $160/month. My income was just barely enough before the withholding to put food on the table and cover rent and utilities.