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If I’m Awarded Disability How Much With I Lose to My Student Loans?

By on June 22, 2017


Dear Steve,

I have a $26,000, when combined, student loan debt which is presently in default. I’m 61years old, applied for disability, having the first of 3 surgeries on July 3, total right knee replacement. Forced to move from home to live with sister who had knee replacement also. I live with her in Sacramento, Ca. I’ve been here since June of 2014, have not worked and also owe IRS $7000.

If I am awarded disability, what percent will each take? Not going to be much to live on. Plus I owe my sister who’s been taking care of me the whole time. How do I get from under?



Dear Shelia,

It’s not clear if these are federal or private student loans. If you can update me in the comments below I can answer your question for you.

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  1. Shelia

    June 26, 2017 at 2:19 pm

    $26,000 student loan debt none of which is a private loan (continuation of question concerning how much of disability will be taken if awarded. I’m 61yrs old. None of my loans are private loans. All standard.

    • Steve Rhode

      June 26, 2017 at 2:32 pm

      In that case you go for a Total and Permanent Disability discharge to have all your federal student loans forgiven tax-free. See

      • Shelia Winsley

        June 26, 2017 at 7:34 pm

        Thank you!

  2. Shelia

    June 22, 2017 at 11:40 am

    Question asked.

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