No. At one time, there was a loophole that allowed you to "create" a loan from Social Security, but it was closed in 2010. It allowed you to collect benefits at 62, then at 70, repay the loan, and re-file as if you never even took a draw. Another loophole was known as "file and suspend." It worked like this: --A worker at full retirement age or older applied for retirement benefits and then voluntarily suspended payment of their retirement benefits. --The worker's voluntary suspension permitted a spousal benefit to be paid to their spouse while the worker was not collecting retirement benefits. --The worker would then restart their retirement benefits later, for example, at age 70, with an increase for each month retirement benefits were suspended. File and suspend, too, has been eliminated as an option. It was revised in 2016 and now works like this: --You can still voluntarily suspend benefit payments at your full retirement age to earn higher benefits for delaying. --During a voluntary suspension, other benefits payable on your record, such as benefits to your spouse, are also suspended. If you have suspended your benefits, you cannot continue receiving other benefits (such as spousal benefits) on another person's record.