Help Me Figure out How to Get Out of Default

Hey there everybody! Let me know if I need any more screenshots (Wait, how do I add screenshots?) to help you give me some advice, but let me break it down for you:

I need to figure out a plan to get me out of default before they start garnishing my wages, because 15% is too much for me to afford. This month I've already had to cut back things like gopuff, and I have to be very careful with my money. I haven't been on any sort of vacation since I was a kid, and I don't really go out. I eat in as much as humanely possible, and I make grocery plans based around what grocery store near me has the best sales and deals.

However, I'm in a lot of debt because I have been in a few abusive situations and until 3 years ago, was pretty consistently near homelessness. To even be able to barely pay rent and food has been a blessing, but I'm in default now. I'll see if I can add my screenshots in the comments, but my big question is this:

If I start the payment plan right now, will that stop the garnishment that comes with my first January paycheck? Or would they take it anyway? If it will stop the garnishment, it makes sense for me to pay and start right away, but if I were to pay and then the garnishment happened anyway, I would be… in pretty dire trouble this coming January.

I know all of this must make me seem super irresponsible, and maybe I have been in some ways, but I am still learning a lot, so please don't take all these questions for bad faith.

Part of my struggle is a semester or so before I even graduated, I had to flee cross country and drop out due to physical abuse I was experiencing, so I'm unfortunately not making a lot of money or anything. I make about $38k a year in Colorado.