How does a student loan work?
Somebody decides that you are worthy of loaning money to, in order to further your education. Once you graduate, you have to pay that money back - sometimes with interest. If you don't, they garnish your wages (no court order required).
First you borrow money then you aren't able to pay it back and it occasionally haunts you and will do so until you pay it back.
You can find the best solutions for you at: http://WWW.CREDIT-SOLUTIONS.INFOHow does a student loan work - Ask Community