My Husband Has Student Loan Debt and Anxiety, Depression, and PTSD


Dear Steve,

My husband has outlandish student debt. He has a clinical diagnosis of anxiety, depression, and PTSD. His doctor says it’s not “debilitating.”

I have epilepsy. Everything online (at least for Missouri) says 120 payments required. I know that will never happen. He did not graduate.

I don’t want to live the rest of my life knowing that he owes around $80,000, while he has pushed it to the back burner, with the “when I get around to it or have the money.”

He has medical bills in collections and a car that was put repo. I want to be able to enjoy my life and marriage, without all of this stress ( which is a reason I can have seizures). I have been in the ER twice for that recently.

Are things (for him) such as panic attacks and “self-harm” reasons for forgiveness programs?

He/we need legitimate help.



Dear Elizabeth,

You did not mention if these are private or federal student loans. That makes a huge difference in the advice to give you.

Post the answer in the comments down below and I can guide you in the right direction.

Financial PTSD is a real thing. I understand the burden and hardship you are dealing with.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Do you have a question you'd like to ask me for free? Go ahead and click here.

Damon Day - Pro Debt Coach

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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.
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