Can SSDI be garnished to repay student loans?

Question: Can my SSDI benefits be garnished to repay my student loan?

I owed $80,000 on student loans. I receive SSDI and long-term disability checks. My student loans have been in forbearance for 10 years. Can my SSDI or long-term disability checks be garnished if they go into default?


The IRS can garnish SSDI benefits without the debtor’s consent. However, the IRS can only garnish up to 15% per month. SSI benefits cannot be garnished.

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