Can My Father’s Social Security Be Garnished for My Private Student Loan? – Michael

“Dear Steve,

I am a theater major have run out of any options on the private loans

I have a private student loan through AES and to make a long story short my loan is now in collections. My dad is 84 and cosigned my loan he is now in a nursing home. I am getting threatening collection letters, my question is can they try and take my dad’s social security on a private loan? I know they can for federal loans is a private loan different in regards to garnishing social security.


Dear Michael,

As far as I am aware, since it is a private loan, social security benefits can’t be garnished as it could with a government backed loan. That doesn’t mean they won’t try though and still sue him.

I would find an attorney licensed in your state and confirm it with them if you are unsure.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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2 thoughts on “Can My Father’s Social Security Be Garnished for My Private Student Loan? – Michael”

  1. I am still in school at least half-time can my student loan (being handled by National Collegiate Trust) be on on defarement? Do I need to be in school full time?


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