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The Federal government is now collecting on a $250,000.000 + (Original debt was $80,000) defaulted student loan by garnishing my income tax returns, any future Soc. Sec. benefits, etc. My mother recently died and left me as a beneficiary on 2 of her small life insurance policies (total I would get would be about $6,500). Can the Feds take this money in any way from me? Can they intercede with the insurance Co. on these beneficiary payments and garnish them? (I have $25 in my savings acct, and about $200 in my checking acct, own no home, own no car, and own no property and have no assets). I live in Washington State.