How to Escape the Crushing Weight of Student Loans

Art: Robin Mead

If you are disabled or low income, you may have some very good options for dealing with student loans. You do not need to be on disability to qualify for most of these programs. In many programs, you can even get a disability discharge without being on disability.

How to Escape Federal Student Loans

How to Escape Private Student Loans

How to Escape Tax Problems from Student Loan Discharges

โ€œHow I Escaped My Student Loansโ€

5 thoughts on “How to Escape the Crushing Weight of Student Loans”

  1. Thank you for sharing! If you don’t mind me asking, who was your clinician who endorsed your student loan discharge and in what state does he/she practice? You may answer those questions in a private email to me if you wish. I am on both SSI and SSDI and have massive student loan debt which I so desperately need to discharge. Yet, I have not been able to find a clinician willing to assist in these matters. Though I am on an ICR with $0.00 monthly payments, I want my loans discharged primarily to improve my eligibility for suitable housing options for me, given my disability and am even willing to travel out of state to find such a clinician if necessary. Thank you for your consideration of my inquiries!


    1. Hi Allan,

      I have not done this myself, but have met many others who have.

      Some doctors don’t like paperwork. Have you tried setting up a special appointment just for this and bringing your doctor the form?

      Also, it helps if you can prepare as much info as you can ahead of time, for anything that needs to go on the form – that way the doc may be able to complete it within a few minutes.

      Most doctors are willing to do something that takes less than five minutes if you ask nicely and don’t give them homework (if they can complete it during the visit).

      If your doc still won’t help you, you might want to look for a new doctor. Since you are on ssi, you want a supportive doctor anyway, in case you need support during your disability reviews.

      However… Maybe I am missing something, but… I don’t see how this will make any difference for housing? If your on IBR now and it’s working for you, that won’t cause problems with your credit.

      hope this helps. ๐Ÿ™‚


  2. This site has the best information on pretty much everything.

    Thanks, for ALL of your excellent, easy to read, or short and to the point info that doesn’t suck the life out of you once you’ve finished reading it. And the beautiful artwork which always leaves me feeling happy whenever I see it. ๐Ÿ˜Š


  3. You are doing an incredible service with this blog. There is so much wonderful information here that helps so many. I thank you, from the bottom of my heart.


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