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I went to a top notch Private School, took out Private student loans (cosigned by my mom) I make barely above minimum wage right now and my mom is just the same. I have been paying $360/mo for a couple years now. The debt was originally 50k but now way over 100k. I have had conversations with the provider and they say they will sue me. If so, do I need to go to court, what can they take from me? I own nothing...I am just trying to find some answers. Student loan debt and I live with my parents to even make it. Any advice? I am not sure if they can garnish all my wages or just some....there seems to be no way out.