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Home > Reader Questions > How Do I Prove I’m Disabled to Get My Student Loans Wiped Out? – Christina

How Do I Prove I’m Disabled to Get My Student Loans Wiped Out? – Christina

I went to school for nursing, i have been out of school for 12 years i have 25,000+ with intrest and fees because i had to fight for disability for over 4 years.

I was awarded my disability after seeing a “goverment appointed” Dr. but my own Dr tell them that i should be working 8 hours a day while standing 2-3 hours a day. I am in pain just sitting at a computer for 2-3 hours a day.. through the whole day not for that straight. I live on pain killers, to make it through the day. if i stand for a hour i am so stiff that i can not move for the rest of the day. How can i get the goverment to understand that my DR is crazy and the other dr who gave the determination physical was correct. ( i do not know the name of the Dr who i saw when it was my ssdi appt.)

Is there a way to get the determination physical, and can i use that for a discharge for student loans. ( i am quickly drownding because of the almost 200 a month that they are taking from em each month)

Christina

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  • debbie

    I have had my doctor fill out the total and permanent disability form and still received a letter from Nelnet that I need to prove to them that I had no earned income. They tell me that I have to do this for three years. I am already on Social Security and SSI.
    Does anyone else have this issue?

  • http://profile.yahoo.com/PRICEOZYYV77THZJZZGIY6HEUI Patrina

    I am mentally and physically disabled and can’t pay back my student loans or private loans.  I  need help to relieve me from the stress of trying to find ways to pay the monies back. PaTrina

  • Tsigili

    Christina ~ If your own doctor doesn’t support your disability, despite your condition, the first thing you need to do is FIND ANOTHER DOCTOR! I have a neurological disease, which is incurable and causes chronic pain, so I understand how you feel. I also know that just trying to get through every day can be overwhelming. But don’t give up. The advice “Dream” gives (below) is excellent about looking online for the information re: the government doctor who pronounced you disabled. You can also request a copy of that doctor’s report. Once you have that, be sure to take a copy of it with you to interview new doctors – and don’t see a general practitioner, see a specialist who will know what he/she is talking about. If you set up a file for everything it will be easier to keep up with all the paperwork this process will require.

    And yes, do contact the student loan people and request an immediate deferment, due to your disability. It’s completely reasonable to ask for that, due to medical expenses, etc. Be sure to note the date you requested it; if the deferment is granted, write down when it expires, and ask for an extension before the expiration date.

    Good luck. Never, ever give up!

  • Tsigili

    Christina ~ If your own doctor doesn’t support your disability, despite your condition, the first thing you need to do is FIND ANOTHER DOCTOR! I have a neurological disease, which is incurable and causes chronic pain, so I understand how you feel. I also know that just trying to get through every day can be overwhelming. But don’t give up. The advice “Dream” gives (below) is excellent about looking online for the information re: the government doctor who pronounced you disabled. You can also request a copy of that doctor’s report. Once you have that, be sure to take a copy of it with you to interview new doctors – and don’t see a general practitioner, see a specialist who will know what he/she is talking about. If you set up a file for everything it will be easier to keep up with all the paperwork this process will require.

    And yes, do contact the student loan people and request an immediate deferment, due to your disability. It’s completely reasonable to ask for that, due to medical expenses, etc. Be sure to note the date you requested it; if the deferment is granted, write down when it expires, and ask for an extension before the expiration date.

    Good luck. Never, ever give up!

  • Steve Rhode

    Great advice and feedback.

  • Lakesideguy

    Krisite also get the loans current. If they go in default your already to late to get them discharged. Understand the process and it will work. Borrow the money beg for it to get it current or youll find it very difficult to them to approve. But you don’t need a goverment dr to examine you.

    You need ANY dr that can confirm you have a disability that is permenant.
    I didn’t have to get a military or government dr to do that.
    But mine was cut and dry too. Its obvious I m disabled its in the imaging and a rocket scientist
    doesn’t need to know that a spinal injury occurred due to my neck getting smushed and the cord getting smushed and looking at my right arm that atrophied over it.

    So each case is different. Pain issues are hard to prove without evidence.
    I’ll repeat over and over and over:

    1) Get the loan current. If your late or in default work with them if they garnish your income (and they can do up to 25 percent of disaiblity) then your too late. DONT WAIT ANY MORE.
    2) If you can’t find a dr to support this the chances are slim. Find another dr.
    3) The rules are different with the dept of education. Remember just because you have SSDI doesn’t qualify you.
    4) Any dr will be fine as long as hee lists under the diagnosis the insurance codes of your disability. Those codes are used by SSDI and the Dept of Education. If he just says “cervical pain” thats not good enough. Use proper diagnostic codes so make sure he does it.
    5) When you download the total permenant discharge form make absolute sure your dr writes in it clearly. I had my sent back due to that. Also, make sure everything is fillled out and signed. Make a copy for yourself and do not fax it. Send it certified and send the original. They sent mine back because I faxed it and rejected. It did not take me years as the other poster. It took me two months total time. But as I said everyones issues are different mine is a clear cut case. You can look at me and when I move its obvious and there are two large visible scars. You know Im disabled without asking it.

  • Lakesideguy

    MY student loans were discharged and the process is not so simple. The dept of education requires a much stricter disability for that. Just because you got SSDI does mean they will discharge it.

    I don’t have SSDI yet and IM in the process of that. The dept of education discharged them immediately after I had many dr’s state the insurance codes on the form. But then again my issue is verifiable via an xray. I’ve had many surgeries and an accident compressing two discs into my spinal cord that they later removed and fused in my neck, my lower back has a ruptured disc and I cant walk very well and Im waiting for another surgery for that if they even can.

    And, to make matters worse Im on morphine and dilaudid 24/7. There are certain insurance codes that describes a condition. If those codes don’t meet up to the dept of education rules they wouldn’t discharge even if your dr signs the form.

    You may be asked to prove it also. Verifiable proof would be, a work accident and related xray image showing a SEVERE problem.

    Something not considered sever would be:
    Pain and no verifiable imaging (you cant prove that)
    A healed broken bone
    Just walking funny saying you don’t walk right (faking it)
    Fybromyalgia (very circumstantial evidence not proven in any blood test or imaging)

    If your trying to get it discharged on those grounds your going to have a hell of a time without major dr support. Although my dr filled the form out I had to prove that I have verifiable issue and just saying “I have pain” doesn’t cut it , unfortunately.

    I understand your dilemma. And for myself my life is ruined at age 37 that began with an accident at 34. I life day in and day out miserable and hurting wiht mobility issues.
    Trust me the dept of education is harder to get it dismissed but after months of providing them information they just discharged my loan of 92k.

    Good luck but if you don’t have support of a dr and verifiable disabiility through a blood test or imaging that is on “the list” than I’m afraid you may still need to pay but you can try to get your payment reduced through income retigency.

    The difference is SSDI determines if you are disabled and they don’t give a rats butt what your imaging says, what your dr says. They make the determination not your dr. In the case of dept of educatoin its two hurdles. YOUR dr has to support it. Second, it has to be a verifiable disability on “the dept of educatoins list of disabilities that would cause TOTAL disability”.

    Very much good luck. Your first goal is get a Dr. on your side. And high advise you do every thing they tell you to do for any recovery. I’m trying to help but if your running around in pain and haven’t really done anything for yourself as of late or cant get unrenowned dr support I think your chances are pretty slim. They are tougher than SSDI.

  • Kristi

    Do i just contact my local disability office to find out how to get rid of old school loans? Or do i have to contact the loan office? I am already on disability and have past due school loans.

  • Kristi

    I’m wondering how did you do this? Do i just contact the loaners and tell them i have been considered disabled and am no longer able to afford these payments?

  • Kristi

    I’m wondering how did you do this? Do i just contact the loaners and tell them i have been considered disabled and am no longer able to afford these payments?

  • Steve Rhode

    Excellent advice!

  • Dream

    This coment is for: How Do I Prove I’m Disabled to Get My Student Loans Wiped Out? – Christina

    How well do I know your dilemma! I, to, am disabled, (since 1998), and I also had a student loan that took me almost 3-4 years to have banished so I would not have to pay it back due to I became disabled shortly after I started college. Your loan can and probably should be forgiven for the mere fact you had a determination physical performed by a GOVERNMENT physician who declared you as disabled. Have you gone onto the government disability website…ssa.gov? Key “disability” into their search engine. You may be able to find a contact person or medical office who can retrieve the informaton you need. Also, keep your student loan in a ‘deferrment’ stage until you can get this matter resolved. Deferrment means you are unable to pay the loan and they will “hold” the loan for about a year with no penalties, and you pay nothing on it. Your loan will continue to accrue interest but you will be free of making payments. I had to put my loan in deferrment 3 times just to clear up my disability situation. Once a physician declares you disabled that should be enough. You may have to get the two doctors to conference with one another so they will be on the same track.

    Good luck, I hope this helps!

    ~~~DREAM~~~

  • Dream

    This coment is for: How Do I Prove I’m Disabled to Get My Student Loans Wiped Out? – Christina

    How well do I know your dilemma! I, to, am disabled, (since 1998), and I also had a student loan that took me almost 3-4 years to have banished so I would not have to pay it back due to I became disabled shortly after I started college. Your loan can and probably should be forgiven for the mere fact you had a determination physical performed by a GOVERNMENT physician who declared you as disabled. Have you gone onto the government disability website…ssa.gov? Key “disability” into their search engine. You may be able to find a contact person or medical office who can retrieve the informaton you need. Also, keep your student loan in a ‘deferrment’ stage until you can get this matter resolved. Deferrment means you are unable to pay the loan and they will “hold” the loan for about a year with no penalties, and you pay nothing on it. Your loan will continue to accrue interest but you will be free of making payments. I had to put my loan in deferrment 3 times just to clear up my disability situation. Once a physician declares you disabled that should be enough. You may have to get the two doctors to conference with one another so they will be on the same track.

    Good luck, I hope this helps!

    ~~~DREAM~~~

    • http://GetOutOfDebt.org Steve Rhode

      Excellent advice!

    • Kristi

      Do i just contact my local disability office to find out how to get rid of old school loans? Or do i have to contact the loan office? I am already on disability and have past due school loans.

      • Lakesideguy

        MY student loans were discharged and the process is not so simple. The dept of education requires a much stricter disability for that. Just because you got SSDI does mean they will discharge it.

        I don’t have SSDI yet and IM in the process of that. The dept of education discharged them immediately after I had many dr’s state the insurance codes on the form. But then again my issue is verifiable via an xray. I’ve had many surgeries and an accident compressing two discs into my spinal cord that they later removed and fused in my neck, my lower back has a ruptured disc and I cant walk very well and Im waiting for another surgery for that if they even can.

        And, to make matters worse Im on morphine and dilaudid 24/7. There are certain insurance codes that describes a condition. If those codes don’t meet up to the dept of education rules they wouldn’t discharge even if your dr signs the form.

        You may be asked to prove it also. Verifiable proof would be, a work accident and related xray image showing a SEVERE problem.

        Something not considered sever would be:
        Pain and no verifiable imaging (you cant prove that)
        A healed broken bone
        Just walking funny saying you don’t walk right (faking it)
        Fybromyalgia (very circumstantial evidence not proven in any blood test or imaging)

        If your trying to get it discharged on those grounds your going to have a hell of a time without major dr support. Although my dr filled the form out I had to prove that I have verifiable issue and just saying “I have pain” doesn’t cut it , unfortunately.

        I understand your dilemma. And for myself my life is ruined at age 37 that began with an accident at 34. I life day in and day out miserable and hurting wiht mobility issues.
        Trust me the dept of education is harder to get it dismissed but after months of providing them information they just discharged my loan of 92k.

        Good luck but if you don’t have support of a dr and verifiable disabiility through a blood test or imaging that is on “the list” than I’m afraid you may still need to pay but you can try to get your payment reduced through income retigency.

        The difference is SSDI determines if you are disabled and they don’t give a rats butt what your imaging says, what your dr says. They make the determination not your dr. In the case of dept of educatoin its two hurdles. YOUR dr has to support it. Second, it has to be a verifiable disability on “the dept of educatoins list of disabilities that would cause TOTAL disability”.

        Very much good luck. Your first goal is get a Dr. on your side. And high advise you do every thing they tell you to do for any recovery. I’m trying to help but if your running around in pain and haven’t really done anything for yourself as of late or cant get unrenowned dr support I think your chances are pretty slim. They are tougher than SSDI.

      • http://GetOutOfDebt.org Steve Rhode

        Great advice and feedback.

      • Lakesideguy

        Krisite also get the loans current. If they go in default your already to late to get them discharged. Understand the process and it will work. Borrow the money beg for it to get it current or youll find it very difficult to them to approve. But you don’t need a goverment dr to examine you.

        You need ANY dr that can confirm you have a disability that is permenant.
        I didn’t have to get a military or government dr to do that.
        But mine was cut and dry too. Its obvious I m disabled its in the imaging and a rocket scientist
        doesn’t need to know that a spinal injury occurred due to my neck getting smushed and the cord getting smushed and looking at my right arm that atrophied over it.

        So each case is different. Pain issues are hard to prove without evidence.
        I’ll repeat over and over and over:

        1) Get the loan current. If your late or in default work with them if they garnish your income (and they can do up to 25 percent of disaiblity) then your too late. DONT WAIT ANY MORE.
        2) If you can’t find a dr to support this the chances are slim. Find another dr.
        3) The rules are different with the dept of education. Remember just because you have SSDI doesn’t qualify you.
        4) Any dr will be fine as long as hee lists under the diagnosis the insurance codes of your disability. Those codes are used by SSDI and the Dept of Education. If he just says “cervical pain” thats not good enough. Use proper diagnostic codes so make sure he does it.
        5) When you download the total permenant discharge form make absolute sure your dr writes in it clearly. I had my sent back due to that. Also, make sure everything is fillled out and signed. Make a copy for yourself and do not fax it. Send it certified and send the original. They sent mine back because I faxed it and rejected. It did not take me years as the other poster. It took me two months total time. But as I said everyones issues are different mine is a clear cut case. You can look at me and when I move its obvious and there are two large visible scars. You know Im disabled without asking it.

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