my student loans defaulted. Ive been unemployed and barely make enough money now to make ends meet. My wages are up for garnishment, but they are not allowed to take any money out because i am so low income. so now, they take my tax return. Like if garnishment isnt enough, they want my tax return too. 15% percent of my income supposedly isnt enough for them. they think they are entitled to put their hands in my pocket whenever they want. does it look like i benefited from my student loans? i make so little money, my wages cant even be garnished. i dont have any children and am barely able to keep a roof over my head. do they think just because you defaulted on stident loan, its ok to send you to the poor house? how can anyone survive getting their wages garnished and having their refunds offset? at this rate i would have been better off not going to college.