Garnished paycheck!

I'm assuming the garnishment is for non-payment of student loans, since you posted in this section.

Is the loan private or government? It's my understanding that some companies offer rehab programs where after a certain time frame they'll release the garnishment.

Rehabbing consists of paying above and beyond what's being garnished. I don't that that's an option. Perhaps SoapLady will be along shortly and can help you.

Need to know whether this is private or federal. Rehab is only available to federal loans.

You have a student loan in default. It is either a defaulted federal loan which you were not paying or there is a judgment against you for a private loan. Either way, you are looking a long way off to good credit.