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.
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“Your only limit within reason, is the one that you set up in your own mind.” Napoleon Hill, The Law of Success, 1925.