How can I stop a garnishment on a student loan?

If you are unable to work out payment arrangements outside of bankruptcy, filing a Chapter 13 bankruptcy case will enable you to stop the garnishment and make monthly payments that you can afford (although $255 per month is pretty low already).   Student loans are not dischargeable in bankruptcy unless you can prove undue hardship, which is difficult to do.   Attorneys fees would run $5,000-$10,000 to litigate an undue hardship action.  If you can afford that, then doing a Chapter 7 case might be an option to consider. Regardless, you should have a consultation with an experienced bankruptcy attorney in your area for more information. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.