Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.