I defaulted on my student loans when I got out of school, because I did not have a job. 
Texas Guarantee has sidestepped every effort I have made to get these loans out of default. 
My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.