@literally45-- Can you just withdraw that money? And have you spoken to the lender about this?
I think sometimes people get into trouble because they just ignore their loans and pretend that they're not there. But speaking to the lender and explaining your situation may resolve the problem. They may make a deal for a lesser amount or set up a more reasonable payment plan.
I realize that not all lenders are understanding or helpful, but if it has come to this stage, there isn't much that can be done. Either let them garnish the account or make a deal with them.