my wife has student loans for her schooling threw Sally may and she has been paying as much as we can afford on them but her payment that they set for her is more than our house payment and so the loan officer told her to pay what she can. well long story short they called her today and threatened to garnish our paycheck and income taxes if we don't pay the set amount of $$ that told my wife so my question is can they do that or do we need to talk to a lawyer? and if so can anyone recommend one?