<human>: Can you provide a brief rundown of the text in within 3 sentences?

So in a nutshell we have 2 people in our household who went to college.  I graduated, my husband did not.  I am employed, my husband is not.  Both of the student loan debt loads are substantial.  We have not made a payment on any of them in quite some time.  He has no income and the totals of all the minimum payments for mine alone are greater than my take home pay.  I've spoken to some of the loan collectors on the phone and say for example that they are asking for $400 per month, I've said I can pay $50 per month, and they just declined to take it.

So, my questions are these:  Can student loan holders garnish my wages?  If so, up to what amount?  If I pay *something* on each of these per month, would that hold off any garnishments?  What other actions could they take against me?  Here is the big one....there are some programs that apparently would allow me to consolidate the loans and have one smaller payment per month.  However, I'm not eligible for these until the loans have been current for something like 3 to 9 months.  But until I can get them consolidated I don't really have a shot at getting them current.  There has to be some way out of this that I'm not seeing, right?  I mean, we screwed up pretty bad.  I know that.  We made terrible choices on so many fronts.  But when I look at my options now, it seems as if my only option is to go off the grid, work off the books, and die in debt.  Surely there is something else.  Can anyone direct me to a resource for how to handle situations like this?  I really appreciate any guidance.
<bot>: Can't pay loans until I consolidate; can't get consolidate until I pay.  Is there some way to get back on track?