More likely than not the retirement plan contains an anti alienation clause and or an anti garnishment clause which means that private creditors like citicorp can not attach those funds prior to them being disbursed to you.
There is no federal law that protects pension proceeds, only Social Security. Once the money hits the account, you need state law protection or it is fair game.
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I agree with the answers above.
I would just add that you should at lest speak to a bankruptcy attorney. While you can not discharge student loans in a bankruptcy (except in very rare circumstances), you may have other debt that you could get rid of that would allow you to pay your student loan. A bankruptcy attorney will be able to discuss all of your debt with you and help you determine what your options are.
Many attorneys offer free consultations.
Legal disclaimer: This communication is for information purposes only and does not represent legal advice or an attorney-client relationship.