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.
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.