Fortunately AMEX can't garnish, and it's very difficult for the student loan companies to do so as well, due to where I live.
Federal loans are able to be discharged, but it's very difficult.
I suppose I need to find a good BK attorney and figure out how much of my soul I'll have to sell to even do it. Sorry if I seem like I have a negative attitude, but the situation is a bit of a stresser for me, and I've reached the point where I won't pay the student loans, and if they garnished, I'd leave my job. My family is emotionally supportive of the decision, but not happy with it, and by no means could it be a permanent solution.