Student Loans

I am disabled( but not dying and therefore do not fit the criteria for totally and permanently) and my student loan is in default. Can my SSD be garnished to repay the loan?

I do not know it you are still checking for replies since no one has and you first posted in early May. I believe you may qualify for permanent and total disability cancellation of federally insured/guaranteed student loans even if your disability will not result in your death. The way it is worded is stated here as a cut & paste from the actual cancellation form the feds provide, which your lender should provide to you on your request so your doctor can certify your disability. In fact there was some discussion that a person receiving Social Security Disability would automatically qualify as long as the disability began after loan initiation. Here is the cut & paste >>> You must be unable to work and earn money or go to school because of an injury or illness that is expected to continue indefinitely or result in death. If you are able — currently or in the future — to work and earn money or go to school, even on a limited basis, you are not eligible for a loan cancellation based on Total and Permanent Disability. End cut & paste >>>> In case you have made any payments since your disability began, the lender is also supposed to refund those and clean up any derogatory credit according to the common manual for servicing student loans. Good Luck! I am not an attorney and my info is only based on my personal interpretation of reading various documents.

I am almost 100% certain that your SSD is exempt from garnishment even for student loans. I am not sure which state you are from but think SSD is exempt in all.

I am not an attorney though so you might call your local legal aid office.