So what does Federal Student Loan Aid do if you have no money in your bank account?

This is not my current situation, but hypothetically I am curious.

A lot of people who just graduated college this year have struggled to find a job. Some as early as last year. Some as early as 2020 even. I hear a lot of horror stories of people being unemployed despite multiple attempts for many years post-COVID.

So, let's say you don't have a job, you have $0.00 funds at the bank and Federal Aid is knocking at your door asking for a minimum monthly payment. What do they do in response? They can't garnish wages that don't exist and extract money from an account that's $0.

What are people doing right now who have no money and are being demanded to repay?