student loan garnishment

I have been going to school for a long time and had been getting forbearance and deferment for my loans. When I got through with school, I could'nt find a decent high paying job to save my life. All I could find was low income jobs. In the meantime, my loan interest accrued. I tried to consolidate my loan and I did so successfully, but I still couldn't find a decent, well paying job. I now owe more $108,000 in student loan, interest and penalties. My debt is with a CA. They are threatening garnishment of my pay checks. I have spoken with them and they came down to $700 dollars for 10 months and then they would wave the penalties. I cannot afford 700 dollars a month. And I cannot get a consolidation loan because I have already consolidated. My question is, is there so other type of loan I could get to consolidated my debt so I could at least get my student loan out of default?