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[–] ScottRockview 0 points 2 points (+2|-0) ago  (edited ago)

Are you in default? If not send them a letter along with 12 post dated checks for the amount you are willing to pay and state in your letter. Could be $20 per Check, just indicate it is all you can pay and when you have the means yo you will pay more. Will your credit score take a hit? Yes, but if your goal is to avoid bankruptcy, this is one way to do it. Not for everybody, but if you're hard up and need a way out, this MIGHT work depending on the laws in your area.

Edit...Are you in the states and is the debt 100% student loans?

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[–] Antiseed117 [S] 0 points 1 point (+1|-0) ago 

The debt is down to about 50% remaining. And yes in PA. Student loans originated in Va.

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[–] ScottRockview 0 points 1 point (+1|-0) ago  (edited ago)

Have you already defaulted on the loan and this is the reason they are garnishing your wages? Have they gotten a court order to do so?