Thank you for your question.
Wages cannot be garnished for private student loans in Pennsylvania. However, bank accounts can once a judgment is obtained. Wages that are direct deposited into a bank account are subject to the garnishment as well.
In Florida, wages can be garnished, but the head of household can claim an exemption from garnishment unless the wages are more than $500 per week or the debtor has agreed in writing to allow the garnishment. Bank accounts can also be garnished.
In both states, the creditor can claim an exemption up to a certain amount on personal property, which includes money held in bank accounts.
Private lenders cannot intercept your income tax refunds.
Yes, the lender can go after your cosigner's bank account and other assets just as it can yours. If she owns assets jointly with her husband, he can claim an exemption to the extent of his ownership interest in the property.
I hope this information is helpful. Please let me know if you have any follow up questions.