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

Question:

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.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Elizabeth

Answer:

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.


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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