Student loans in default for 3 years- should I consolidate, or rehabilitate?

My wages have been garnished for 3 years as well. At this point , my credit score is almost zero ... MedlinePlus MedlinePlus Would it be worth the additional payments (in addition to wage garnishment , assuming my loan company offering something affordable , ... $ 100/mo . ) MedlinePlus MedlinePlus Should I try ( again) to ask for some kind of payment plan on / above the retention , to rehabilitate the loan ? I always offer the option of only $ 450 / month, plus my wage garnishment ( $ 250/mo ) by way of rehabilitation , even after I tell them I can not afford that .... MedlinePlus MedlinePlus ( They are so nasty in this collection company that I hardly dare to call again . ) MedlinePlus MedlinePlus O, ... Should I consolidate , with lower student loan payments , and start all over again ? MedlinePlus MedlinePlus A defaulted loan is rehabilitated much more attractive in a credit report that a delinquent loan ( for recent years ) that has established ( and to date ) ? MedlinePlus MedlinePlus I'm trying to fix my life and my credit , and having a very difficult time ... MedlinePlus MedlinePlus Thank you !