What we need to know is whether this is a federally insured loan or not. Federal student loans can attach retirement benefits without a court order, while private lenders have to sue. Given your Mom's health, bankruptcy could discharge her obligation to pay these debts. You will need a special order of guardianship for someone to be authorized to file a bankruptcy. Hope this perspective helps!
I concur with Dorothy, to supply even a basic answer, we would need to know whether the loan is a federally guaranteed loan or a purely private loan. The short answer is, YES, if the loan is federally guaranteed, "mostly" NO if the loan is purely private.
Given your mom's circumstances, there are options. I help student loan borrowers, and more than ever now, co-signers resolve their student loan debt. I offer these services nationwide. As for as solving your mom's situation, it would actually be easier to do if the loans were federal (more defined options), but even with private student loans, your mom has options depending on the circumstances.
Generally the answer is yes student loans can be extracted from SS. As the previous attorneys stated there are additional facts that can change the outcome. Speak with an attorney in your area where you can divulge all the facts and they can advise you as to the option available.
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