I have two private loans with Sallie Mae and they are both in default. I have no job but I get child support for two kids. My husband is the only other income in the house. So I'm trying to find out if my husband and I should file separate so Sallie Mae can't take the child tax credit or my husbands refund. I filed bankruptcy and my loans were discharged but Sallie Mae is still trying to collect, can they do that?