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You may want to fill out the following form-----http://www2.ed.gov/offices/OSFAP/DCS/forms/fs.pdf and show that the garnishment would case financial hardship
If you don't call them and make payments arragement they can go after your wages and there is nothing you can do to get the money back, the best solution will be for you to fill out the form above.
The form will help you showing them that at the moment you don't have enough funds to pay the loan and they may stop the garnishment or give you a lower monthly payment plan
Fill out the form and show them everything the more information you give them about your financial situation the more they will understand why they need to stop the garnishment
If you have made payments they can give you some back if you were on time with your payments
and show them that you have a payment plan with them
It will be up to GC services
I have to leave my office but I will be back in around 1 hour if you need more information I will be able to help you in about an hour or so.... Let me know if you need more information and please don't forget to send the form ASAP
Let me know if you need more information!