Eight years ago I worked for a public (state) university. One of the perks as an employee was 1 free class a semester. I was taking one of these classes when I was let go. I called to try to withdraw but was told it was too late. Since I was no longer an employee they billed me for it. No loans were involved. They're now threatening to garnish my wages. I make $21,000 a year & cannot afford the 25% they would take from my paycheck. I own no property or houses that can be sold, except a 12 year old car that I use to get to work. I qualify for Chapter 7 in Ohio as I fall well below median income for one person. Since the Univ is a state institution is it the _same_ as owing the state of Ohio? Would it fall under the same Ohio statutes as owing taxes? Would it be discharged in Chapter 7?