If these are governmentally guaranteed student loans (or Direct/gov't) AND you were involuntarily separated from employment, the DOE cannot garnish your wages when you do go back to work until you've been employed for at least 12 months continuously. See Fed'l Regulations, Admin Garnishment, sect., 682.410
If these were student loans you incurred before you were married and even if you file joint tax returns, the IRS cannot garnish your husband's tax refund--only your tax refund. If you aren't working and have no interest or dividends taxed and withheld, that would be zero. The IRS, however, will first garnish the refund and then your husband has to file an innocent spouse form to get the refund back, but he will get it back.
If you have joint assets, however, the creditors can garnish those.

