The lesser of the two following could be garnished:1) 25% of your disposable income, which is your income after mandatory deducations, like withholding for FICA (but not including 401k or health care deductions);2) The amount by which your weekly earnings exceed 40 times the federal minimum wage, which is currently, I believe, $7.75.You say you work part-time. Since 40 times $7.75 is $308, if you work 25 or fewer hours per week at $12 per hour, it would seem that you could likely have nothing garnished. From what you write, you are well under that threshold (you're probably working around 10 - 12 hours per week), so the bank should not be able to garnish your income.