Originally Posted by frugalmama
I know they can seize your paycheck, but what else?
I'm left with no other option - I can't get any more forebearances, am unemployed and not able to work. I have no income coming in. Am I correct in thinking there isn't much they can do except trash my credit? My credit is already bad thanks to medical debt, so doesn't make much difference to me.
If you can't get any more forbearances and are not eligible for Income Based Repayment, you should inquire about an "Economic Hardship Deferrment." I know this is available with Federal student loans. OP is correct they can/will seize FIT returns.
Even though you say your credit is "trashed" with unpaid medical bills, depending on how much you owe in student loans you may not want that to be negative on your credit report... Hospital bills can be caught up eventually if able, if you can keep your student loans in a deferred status it's much better for your credit report, even if and especially if you owe tens of thousands of dollars on your loans.