student loan wage garnishment?

[Sam]

basically in a nut shell my wife and i fell on hard times, and i got behind on my student loans i owe 11k and now my wages are being garnished 15% i am getting almost 600 a month taken out of my check for these loans which basically at this rate it will be paid off in 19 months. i talked to the loan place and basically they said if i dont have 30% to put down on it then they wont work with me. i mean is there anyway to get this lowered we are a one income family with a 16mo old daughter and to force someone to pay this off in 19 months is just crazy i mean does anyone know of a way they could back it up to like 5 years i mean had i been able to make the payments it would have took me 10 yrs plus anyways to pay it off. i just cant believe they force you to pay it off that fast then they wont work with you i mean who has 3300 laying around when you live paycheck to paycheck