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Home > Ask The Get Out of Debt Experts > Is there a way to get student loan forgiveness if I became disabled during my last year in school? – Jade

Is there a way to get student loan forgiveness if I became disabled during my last year in school? – Jade

I have an autoimmune disorder called Lupus, and during my senior year in college, I had a massive flare-up that hospitalized me for 7 months, to the point where I needed chemotherapy!

I was released, but suffered from Transverse Myelitis, which is a neurological disorder, caused by inflammation of the spinal cord.

I now struggle to walk, suffer from incontinence, and have shoulder problems from relying heavily on using a walker. It has been 3 years since my hospitalization, and it is always a daily struggle for me.

However, the people working at Sallie Mae had no sympathy for me, and was even asking me to make payments while I was in the hospital; even insisting that I ask family members, such as aunts and uncles if they could pay in my behalf!

Is there any place/organization that offers student loan relief or help paying it off for a person in a situation such as myself? I don’t see my recovery progressing significantly anytime soon, but my debt interest continues to accumulate. I have been paying off what I can with the small amount of SSI that I get monthly – any financial help out there would be greatly appreciated!

Jade

Is there a way to get student loan forgiveness if I became disabled during my last year in school? - Jade by

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  • Michael

    Hi Jade,

    There are rare instances where student loan debt can be included in a chapter 7 bankruptcy. Your situation sounds like it is worth looking into further.

    Here is an article that covers the topic and how you may fit the profile for discharge: http://getoutofdebt.org/7364/can-i-eliminate-and-discharge-my-student-loans-with-bankruptcy-matt

    When contacting attorneys for initial consultations be sure to identify whether or not the person has succeeded with discharge of student loans for medical and disability criteria. If you locate one or more that have the experience you can narrow down the list of potentials to hire.

    • Greengem418

      Thanks so much for the reply, Michael. When I go about looking for an attorney, is there a particular one that I ought to be looking for? I know different lawyers cover different things – in my case, am I just searching for a bankruptcy lawyer? Or one that specifically deals with student loan debt only?

      • http://www.consumerrecoverynetwork.com/ Michael

        Jade,
        You are looking for a bankruptcy attorney first and one with experience in medical/disability discharge of student loan debt second.
        Chapter 7 bankruptcy is a straight forward process. You will have no trouble locating an attorney with bankruptcy experience.
        Discharge of student loan debts in a chapter 7 is uncommon. There will be fewer attorneys who have succeeded in doing so.
        Because you will have no problem locating a bankruptcy attorney I am suggesting that you continue consulting with several until you identify one who has succeeded with discharge of student loan debts for reasons that resemble your situation. By doing so you will be working with an attorney who already went through a learning/experience curve. The benefit of this experience may lead to successful discharge of the loans, or may only result in a learned opinion that your set of medical/disability facts will not meet the standard for discharge of the loans.
        To be certain, you will need documentation of your condition from medical professionals you have seen.

        Best of success to you in your efforts!

  • Michael

    Hi Jade,

    There are rare instances where student loan debt can be included in a chapter 7 bankruptcy. Your situation sounds like it is worth looking into further.

    Here is an article that covers the topic and how you may fit the profile for discharge: http://getoutofdebt.org/7364/can-i-eliminate-and-discharge-my-student-loans-with-bankruptcy-matt

    When contacting attorneys for initial consultations be sure to identify whether or not the person has succeeded with discharge of student loans for medical and disability criteria. If you locate one or more that have the experience you can narrow down the list of potentials to hire.

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