Can My Husband's Income Tax Be Garnished for My Defaulted
Student Loan?   Although they're typically issued with far lower
interest rates than comparable credit cards or personal loans,
student loans can quickly become expensive. Unlike other
unsecured debts that can easily be discharged during the
bankruptcy process, student loans are difficult to shake.  There
are only a few circumstances in which a student loan's payment
schedule can be altered or terminated. The first involves a
"temporary hardship" caused by a period of chronic unemployment
or an unexpected financial shock. There is no legal recourse by
which to earn a reprieve from your student loans due to a
"temporary hardship." You'll need to inform your creditors that
you're experiencing this condition and hope that they're willing
to negotiate a new repayment plan that spreads the burden of
your loan over a longer period of time. Since student lenders
rarely agree to refinance their loans, you may find such direct
negotiations to be unproductive.