This is a question for a family member, but as the title suggests, the loan was taken out 30 years ago and no payments have been made. No garnishment ever despite working for the federal government as well as a few different private jobs over the years. She was just approved for disability with 3 yrs back pay and is worried that they’ll take the back pay for repayment. Her husband is deceased and she has no income at the moment. Surviving on life insurance until the disability comes through. Has anyone dealt with something like this? What are the chances they’ll take the money?