Answer: If you have seriously delinquent student loans, your income tax refund check could be subjected to garnishment when you file your income taxes. This usually happens when someone has defaulted on student loans. If you can’t pay due to lack of income, you can seek out a loan forbearance or deferment, which would put off your payments, but would increase the amount of interest that gets added to your loans. Alternatively, you can tweak your budget and try to cut back on other areas of spending, and use the savings to pay toward your student loans. You can also investigate loan consolidation or extending your student loans repayments, if you haven’t already done so.
Read this article about dealing with garnishments and paying off student loans once they’ve gone into default for more tips.