Student loan debt is there to stay. The only way out is if she becomes permanently disabled and can get it discharged, but even that's a hard thing to do for those who are indeed disabled. (And even then you'd have a huge tax bill for discharged debt.) It makes sense that her wages are being garnished. Student loan holders will do that in cases of non payment. You can't get out of student loan debt through bankruptcy. And, your mom has hit her limits it sounds like with bankruptcy. You can only declare once under each chapter.

But no, you won't inherit this debt. I suggest breaking free of her and getting a financial advisor. You sound like a novice in all of this. Getting tangled up with someone who has such bad credit is never a good idea.