The amount that can be garnished is not based upon whether or not you can afford it but upon the law in your state. The amount that is to be withheld is set forth by state law.
Further, it depends on what is being garnished. Some states, for example, allow 100% garnishment on certain assets, such as bank accounts, while limiting to a % wage garnishments.
If the garnishment is too great because of other commitments, then you have two options: 1) Work out a repayment schedule that you follow or 2) File for bankruptcy protection, either Chapter 7 or Chapter 13.
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