Yes. The federal government usually does not file lawsuits to collect on student loans because it has other options, such as wage garnishment and withholding tax refunds. However, private lenders may file a debt collection lawsuit if you default on your student loans.nnIt may be possible to discharge student loans through bankruptcy in some situations. A skilled bankruptcy lawyer can help you examine your options if you are unable to pay off your student loans. Reach out to attorney Richard D. Granvold today to schedule a free consultation about your case.