If you are facing hard times, your lender may agree to a "forbearance." Like a deferment, you get a temporary break from payments, but unlike a deferment, interest continues to accrue during the break.
There are several flexible payment plans available for federal student loans.
If you receive a wage garnishment order, or are behind in your loan payments and fear a garnishment (or other means of collection), there are steps you can take to avoid the garnishment.
If you receive a garnishment order, you have a right to request a hearing.
After several unsuccessful attempts with the collection agency who had garnished my wages.
I decided to reach out to The Student Loan Help Center.
If you request a hearing within 30 days of getting the notification, the garnishment will not proceed until you've had your hearing.
If you request the hearing after that time, the garnishment will proceed, but if you prevail in your hearing the garnishment will then stop.
If you file for Chapter 13 bankruptcy, you can repay your student loan arrearage through your Chapter 13 repayment plan.
Once you file for bankrupty, the automatic stay goes into effect, which puts a stop to the wage garnishment.
Bruce Mesnekoff and his team at The Student Loan Help Center helped me tremendously with consolidating my student loans.