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I have several student loans and they are all in d

Submitted by Arishon on Thu, 05/05/2011 - 08:58
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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$. I informed them I only work part time and could never afford that. what I would like to know is: are there any other options. I've heard of consolidating through the department of ed. but I have no idea what I need to do to do that. also my CA only gave me one payment option and that was direct withdrawal from my account. I do not make very much and I offered to send them 50-75$ a month but they said it was not enough. any pointers or ideas that would help this situation would give me great emotional ease.