You may be one of those one in a million people who is eligible to discharge your student loan debts in a bankruptcy. Check with local pro bono projects to see if there is a volunteer attorney that can represent you. Otherwise, the US Dept of Ed can garnish your SSI and SSDI benefits, whereas these benefits are protected in bankruptcy. Hope this perspective helps!
1. SSI cannot be garnished for anything.
2. Social Security can be garnished for a student loan.
If your medical condition is severe enough to qualify for SSI disability, some or all of your loans may well qualify for Total and Permanent Disability (TPD) discharge. More information is here: http://studentaid.ed.gov/repay-loans/forgiveness-cancellation.
With regard to qualifying for SSDI, you may have an onset date issue. Remember you must have "insured status" at the time of your onset date.
Best wishes for an outcome you can accept, and please remember to designate a best answer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.
As said SSI can't be garnished but Social Security can. If you filed your last Chapter 7 more than 8 years ago you might be one of the rare individuals who could actually file an Adversary Complaint in the BK court to get a discharge of your student loans. I suggest you try to contact a Legal Aid office as the BK and the Adversary could be expensive if handled by a private lawyer.
You should look into the Ford repayment programs, to see if you qualify for the Income Contingent Repayment Plan - you may find some relief there, given your circumstances. The link is below:
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