[martin_fierro]

I practice debtor-creditor and bankruptcy law. Social Security is untouchable by any creditor EXCEPT the federal government.

Plus the student debts themselves are non-dischargeable in BK, n'cest–ce pas?

[Huntress]

Essentially, that’s right. The bankruptcy code provides for discharge in the event of “undue hardship,” but that is damn near impossible to prove. To qualify, you pretty much need to be permanently and totally unable to work.