My husband has private loans with Sallie Mae. He is set for Judgment on 03/24/10 and will appear. He tried to get into a reasonable debt repayment plan but Sallie did not agree. My question is, we filed a joint tax retun and the refund is due in the beginning of April. If Sallie gets a judgment, can they intercept the federal tax refund without going to court and getting a citiation to discover assets, etc? I think he will try to see if he can get a court ordered repayment plan out of this. We don't know what else to do.