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Is here source of income Social Security or a pension?
Ok, they are entirely exempt from garnishment by creditors under federal law. So if she doesn't have other assets that they could go after, if she defaults on the loan, then she is essentially judgment proof, meaning they can sue and get a judgment, but they can't realistically collect on it.
So they can call and threaten her with suing, but they won't really do it because they will have to pay an attorney a few thousand to represent them and they will never get that money back ..