
Edit: appears they will be going into federal garnishment, not private collections.
Right, but once they are taken by a private collections company, would they still carry that with them? I assume at some point the collections company actually buys out the loan in hopes of collecting more. Once they buy out the loan, they are owed, but at this point it’s arguable the non-defaultable student loan was paid.
This question should be illegal. Name changes should be simple and up to the individual when they have autonomy. Before then, you get whatever your parents want, because names are just made up nonsense anyway.