You should take a look at our blog post titled, "Don't Be Fooled: You Never Have to Pay for Student Loan Help".
Can I qualify for a deferment or forbearance of my payments  if I'm in a tight financial situation?
Yes, you can also try to qualify for a deferment or a forbearance.
I'm worried that my wages will be garnished because of my unpaid student loan. What can I do to avoid this?