I have a school loan that is in default and has been for years. I thought my ex paid it off but he didn't. I got a letter stating they are going to garnish my wages. I make less than 15,000.00 a year. I can't afford payments and I don't feel like haggling with these people. The school I got these loans for repensented themselves as a credible school and I found out their credits were not transferable. Do you have any advice on what I should do?