Sign in to follow this  

Federal student loans and disability

Recommended Posts


Around 2003-ish i went to school and took on a federal student loan of $10,000. Sadly that schooling did not help me with getting a decent job, so i continued with my low paying jobs, and now a sizeable debt. I was never able to pay on the debt as i lived check to check, and was even homeless for a few years. In 2009 i moved to another state, where i ended up having health issues and going on disability. During that time they removed a portion of my disability for payment towards the debts. My disability eventually went out and now i was finally approved for disability again, and here they come wanting 15% of my income from disability.

It's been years since i've had any income and even when i had disability previously i was always broke, so i'm hoping to finally get things i have needed. I find dealing with all these things a bit overwhelming, and don't feel i can rely on random options that pop up through internet searches. Are there any options?

The letter i received indicates Student Loan Borrowers with Disabilities, yet that seems to suggest a permanent disability. My disability isn't permanent, but the time is indeterminate (according to doctors). Even when/if i'm able to eventually work again i'll be mid to late 40s with no work history for 10+ years and in low paying jobs, so i'm hoping to find a way to get the debt erased.

I'm aware i could call the number, but having anxiety/depression makes it difficult for me to go into such situations blindly, so even if anyone had more details on the Borrowers with Disabilities that could be a help, if it's still an option.

As you can see, all this rattles my brain, so any advice, suggestions, help, etc... would be greatly appreciated.

Share this post

Link to post
Share on other sites

If you are not permanently disabled then you cannot qualify to get your student loans forgiven. Temp disability does not count. Also, student loans are government debt, they can garnish SSDI/SSI, even if it does not leave you enough to live on.

Sorry I don't have a better answer for you.

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this