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I have a student loan that is in default but I can not pay due to financial hardship. I am a single mom with no support from kids father. Can the student loan people take all of my income tax refund? I thought if you were in financial hardship they could not. They are also trying to garnish my wages but I can not afford this. I need to support my children. I have 4 children and one is disabled. Any information would be great.