I have a substanital student loan that has fallen into default because I can not pay the large $550 monthly payments they have requested.
I sent AES and letter about a year and a half ago and told them I can pay $150 per month.
I started paying that amount and have consistently paid each month since then.
However, they have listed my loan in default and call twice a day. Can they force garnishment when I am making a consistent payment even though it’s a lesser amount?
What can I do to get this resolved?