Gloria was approved for a discharge just two weeks after submitting her final paperwork. She was kind enough to share a copy of her doctor’s form along with a few tips for others:
🌸 At first, I submitted a letter from my physician. It was rejected. I received a letter a few weeks later informing me that they would not accept physician letters and that the physician’s answers had to be written in the VERY tiny boxes on the application page. I reapplied and this time doctor wrote on their form. Approved!
🌸 I applied for student loan discharge BEFORE I applied for social security disability. I believe it was easier for me to get approved because they didn’t base it on social security review periods, but simply on my doctor’s claim that I am totally and permanently disabled.
🌸 Here are the answers my physician gave on the form:
Describe the severity of the applicant’s impairment, including, if applicable, the phase of the impairment:
“The patient exhibits extra-glandular, organ manifestations of systemic Sjogren’s sydrome (Stage 2). Her impairment is signiﬁﬁcant and disabling.”
Limitations on sitting, standing, walking, or lifting:
“Dysautonomia – Tachycardia, pre-syncope, hypertension, dyspnea, loss of hearing/vision while standing/sitting/ walking. Joint pain and stiffness limits mobility/dexterity”
Limitations on activities of daily living:
“Struggles with bathing, cooking, and cleaning. Currently unable to drive due to cognitive changes. Neuropathy makes dressing difﬁﬁcult and painful”
“Unpredictable. Functionality constantly limited due to chronic autoimmune pain, dysautonomia, constitutional symptoms, with ﬂares requiring bed rest”
Thanks for Reading
🌸 This page is part of the free online guide: How to Be Poor in America
🌸 Learn more: How to Make Student Loans Disappear Like Magic
🌸 Page Updated: 1/10/20
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