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.

Plan Your Escape

🌸 How to Get a Disability Discharge

🌸 How to Get Income Based Repayment

🌸 How to Escape Private Student Loans

🌸How to Eliminate Loans Through Bankruptcy

🌸 How to Escape Tax Problems

🌸 Sample Doctor’s Form for Disability Discharge

🌸 “How I Escaped My Student Loans”

Hatching the Best Escape Plan

Our readers report that by far the easiest and best escape plan is a disability discharge.

It may please you to know: You do not need to be on disability to get a disability discharge. We repeat: You do not need to be on disability to get a disability discharge. We feel like we almost need to repeat this a third time.

If you are on disability: You do not need to have a 5 to 7 year review cycle to get a disability discharge. Once again, you do not need to have a 5 to 7 year review cycle.

We are repeating ourselves a lot because there is a lot of misinformation and misunderstanding out there about the topic. Please see links above to learn more.

Thanks for Reading

This page is part of the free online guide: How to Be Poor in AmericaArt on this page by Robin Mead and Elizabeth D’AngeloPage Updated: 9/1/19

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

  1. I read somewhere on this website that a person could get money by cashing in on life insurance policies. Where is that information in this reading. I read that a while back and don’t know what subtitle I saw it under.


  2. I’m in the post-hearing phase of my disability. I came across this and I asked my doctor if he could fill the paperwork out and he faxed the papers to the number listed. That was on 1/12/2020 and today I saw on my USPS delivery app I am getting something from Nelnet…… I hope it is good news!


  3. My discharge was approved. I’m just under 2 years away from this now. In the waiting period. Thanks to all who made me aware of this opportunity!


  4. After being encouraged by your infirmation, I applied for federal student loan discharge. I got notice of discharge in early 2019. I was not receiving social security benefits, nor had I applied for them. My doctor filled out the form. I think this was better than evidence of SSDI for one reason: there are no reviews, so it cant be revoked! They did not ask for additional information, they just approved me, it was so much easier than a SS case, I was flabbergasted. Maybe it sailed through because they were dealing with a backlog after the government shutdown. I will have to submit proof of income for 3 years. The income cutoff is a bit weird: below poverty level for a 2-person household, no matter what your actual household size is.


  5. I am post-hearing about 49 workdays still waiting for a decision, it has been to the writer and last I checked it is back with the ALJ. But I applied for student loan discharge at on June 17, 2019 and just for my approval with the 3-year monitoring… I am just curious if there is any correlation being approved for this and being approved for SSI/SSDI? Or has anyone noticed any sort of trend?


  6. Nelnet- student loans discharge company
    Not sure when this went into effect but if you tried before with no results try again they have this new program to do what they refused to do before. I havent tried because no insurance to show proof and im tired of getting sick to go to doctor offices that know nothing about my conditions and just want to poison me with their pharma kick back drugs. Got this from the student loan harassers year ago after an hour of me telling them why they will never ever ever receive any payment from me for Im too sick to work, but Id be happy to answer the call when Im down and harass them back, just unleash your bad day up on them when they call, they cant hang up on you 😉 I think I threw in at least 50 “F bombs”. After me telling him how little food I get to eat he then asks well cant my family and friends or boyfriend make my payments, I was like Really??? Dont you think if they gave me money I’d go buy food instead? Hell I dont even gamble but Id gamble the money before ever paying them, this is america just write it off like you wrote it in, or just print more money in what i owe, done. lol


  7. 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.

    Liked by 1 person

  8. 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. 😊


  9. 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. 🙂


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