My husband had a student loan back in 1995-1996. He defaulted on that loan obviously. Today we found out that his wages are going to be garnished 15%. *The loan was taken out in GA or AR but we now live in Florida. *He is the Head of Household for our family which includes our 9 month old daughter. We are barely paying our bills as it is and are seeking advice from anywhere right now on this matter. He spoke to the DOE collection agency today who state that Florida Statute 222.11 does not apply b/c this is a Federal loan. *We have not received any Judgment papers in the mail and are going to try to contact his HR department tomorrow to see if we can get a copy from them. What we've been told so far is that our only option is to file an Objection based on Hardship. But that won't stop the garnishment immediately. I think that is all we know so far.
Any advice is greatly appreciated. Thanks for your help.

