I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.