I had an old roommate whose income was exempt from garnishments. His wife got a 50$ check every month, and there was nothing she could do to get more.
He was on disability, through the military, but normal disability may have similar protections. As a survivor you likely suffer from more than enough “physiological disorders” to get disability.
I am not saying give up, I am saying go on disability, have your court ordered payments reduced, and return to school with grants (also exempt from garnishments), Return to the world in few years more able.
I have seen many executed this successfully, I have also seen people stay on disability, so don’t get trapped.
“Your only limit within reason, is the one that you set up in your own mind.” Napoleon Hill, The Law of Success, 1925.