My Social Security Check Will Be Garnished for a Student Loan I Did Not Take Out. – Verna

“Dear Steve,

My child took a student aid loan in 1996. I was contacted today by a collection agency stating that they will garnish my soc.sec.disability check if this loan is not paid. I did not take this loan out even though it is in my name. The collector stated that I must press charges against my child for this debt or my disability check will be garnished. My child as well as myself are not able to pay this loan, and I will not press legal charges against my child, who at that time was only trying to further their education.

What can we do to solve this problem? Is their anything in the Oboma forgiveness act that can help us? What is the best thing to do.


Dear Verna,

The collector is correct. If this is a government backed student loan Social Security payments may be garnished for it. It is one of the only exceptions to the protection of Social Security benefit payments which are normally protected from creditors. For more information on this read “I’m a Grandmother and Getting my Social Security Check Garnished For Student Loans. – Janis.”

Get your child to pay this debt they incurred with identity theft against you. The only way to get yourself off the hook here is to file criminal charges now against your child.


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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