> Chris’s pay was garnished at 15% from 2004-2011, and at 25% from 2011 on. He paid, but didn’t gain ground, thanks to another painful quirk of the system, involving the order of obligation.

This sounds like an unbelievable living hell, and frankly if I were in this position I would probably just leave the country and abandon the loan entirely. What a machiavellian system.