Product: Student loan

University XXXX XXXX - Private student loan with National Collegiate TrustI 'm a mother of XXXX boys, and at this time, my boys were very little so being able to leave my home to go to class was impossible. I saw the University XXXX ( XXXX ) commercial and decided to call. The counselor I spoke to was nice ... suckered me right in! He told me that my husband and I did not make enough money and I would need to take out a private student loan on top of the grant and financial aid just to pay for school. The counselor even showed me where to go online to find lenders. National Collegiate Trust was the lender, I was the low income naive person perfect enough to take out the loan ... .but to make matters worse, I drug my now ex-husband down with me ... he co-signed. I did n't have enough credit to borrow money, but together with my ( at the time ) husband, we could borrow. I wound up taking out XXXX loans - both together total {$30000.00}. I wish I had thought about it then, I would have done things totally different. For one, I would NEVER attend XXXX, they are liars and my credits would n't even transfer! For two, I would have NEVER taken out any private student loans! They do NOT follow federal guidelines! 
Moving forward .... 
A man came to my employer and served a coworker. I was being garnished by XXXX ( Collection agency for National Collegiate ). I did n't even know I had been sued?? So I file a claim for exemption because now I am a single mom raising XXXX boys with XXXX small income. I agree to allow a garnish of {$50.00} per week. Then a horrible event takes place ... .I get laid off. I file unemployment and wait the agonizing time it takes to actually receive an unemployment deposit. While waiting for the first deposit, I call XXXX, XXXX, & XXXX to see if they will continue to accept my {$50.00} a week from my personal account, and of course, they will not. They have already started to garnish my ex-husband {$800.00} a week! He is lower income and helps to support his daughter and our XXXX grandbabies. I have to add that this all took place one month from XXXX. I went to the courthouse and filed a claim for exemption for him. I will update on the status of that hearing set for XX/XX/XXXX at XXXX. 
I have been researching and from what I have read, you have to be served to be sued! I was never issued a summons in the first place, and neither was my ex-husband. Also, if private student loans are to be treated as federal loans, then why are they allowed to garnish 25 % instead of the max federal can garnish which is 15 %? National Collegiate wants me to pay back {$30000.00} in 7 years! I thought student loans were 30 years? Also, and this part is important ... ..why would n't my private student loans go into deferment if they follow federal guidelines? Lastly, If private student loans are not discharged in bankruptcy, they why do they have to get a judgement before they can garnish ; whereas, federal student loans do not have to seek judgement. Sounds like private student loans should be considered credit cards or regular loans to me. I will never be able to pay back {$30000.00} in 7 years and neither will my ex-husband. If we could do that, we would be driving around in really nice vehicles! My vehicle is a XX/XX/XXXX, I live in an all-bills-paid apartment complex in a lower income neighborhood. Please help me in any way you can! If they continue to garnish my ex-husband, that only takes away from our individual family needs! How will we live?