It is difficult, although not impossible, to be completely protected from federal loan collection. You will most likely be safe from collection only if you do not have significant federal benefits or wages, you do not get a tax refund, and you do not have any other collectible assets. Even if you are safe from collection now, this situation may be only temporary. Because there is no time limit on government student loan collections, the debt may still come back to haunt you in the future.
The powerful government collection tools may put you in a terrible trap, especially if you are trying to go back to school. You should first understand the potential consequences of default to help you evaluate whether you are vulnerable to government collection powers. Most borrowers in default will face some type of collection at some point. This does not mean that you should give up. You should review the ways to get out of default on federal loans. You should also review the various federal loan cancellation options to see if any apply to you. Even if you choose not to pursue avenues out of default, you have the right to fight back against debt collection agency harassment or abuse.