I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.