<prompt> Human: Hello, I dont know much about my friends situation really but Im somewhat worried. They are married, graduated a few years ago and have been struggling financially ever since. In an offhand conversation recently they mentioned theyve just NEVER paid any federal student loan payments and refuse to check their credit. They assume it cant be that bad because theyve always been able to rent an apartment most recently in the last couple months. They also claim they file federal taxes and got a return this year.That said - how can i convince them to take this obligation seriously? If nothing bad has happened in 5 years are they out of the woods? Whats the worst case scenario here?Thanks for any insight!  <response>: Ahem. If you do not pay, and are in default at the time you retire, they can garnish 15 of your Social Security income, of the amount over 750month. 