No, they cannot directly garnish her wages assuming she is not a co-signer of your loan. However, one technique they use it to take some or all of any income tax refund or other federal benefits such as social security, so if you file your income taxes jointly they could get at what is essentially her refund that way. Once it goes to a collection agency if you are sued you can expect possible seizing of property or assets such as your checking account, so if you have a joint account then her wages could be gotten at that way.
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