I have blown through my forebearances and have to start paying back my loans in December.  I had student loans from college when I went back to graduate school several years ago thinking I would get a better job and struggle less paying everything back.  I graduated and the economy tanked.  I have Master’s in Public Health, which in Illinois is now useless because of state budget woes of the last three years.  Then, my husband got laid off on 1/19/09 and was out of work until February, 2011.  He is working for a temporary agency making a third of what he was making when he lost his job.  I have filed bankruptcy and we are basically living on my non for profit agency salary.  My loan payments will start out at around $360 and we don’t even have the $60 to spare each month.  At this point, I am worth more dead than alive.  When these loans default, what percentage of my salary can they actually take from me every two weeks?