<prompt> Human: As the title says, its been around 5 years since receiving her loans and she never picked up payments after school. Her father had told her they had deferred the payments. However, recently we went to purchase a car and when they ran her credit we were informed her credit score is now 560 and the loans showed on her credit report through Equifax. We are currently tracking down who has the loans and what is the amount owed. Her fear is that reaching out to the creditor could cause them to take money from her account as to not having paid but shes been working for the past few years. I need advice as to if we should transfer her funds first before reaching out to the creditor. Or any advice on how to approach the situation. Ive been paying off my own loans and feel confident we can handle the new payments we are just scared of losing our necessary savings.  <response>: Are these Federal student loans? If so, they can garnish wages and take funds without a court order, plus seize tax refunds. 