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My Severe Depression is Preventing Me From Paying My Medical School Student Loans. – Sayta

“Dear Steve,

I went to college and then to Medical college and have about $190k in studnet loans. Originally it was 160K but I did not pay first two year so residency so the loans became 190K last two year I have been paying minium about $18,000 each year but that only covers interestes.

Year and half ago I was diagnosed with sever depression. I have been seeing a Psychatarist since then and having been on medication.

Same time i took medical leav from my residncey program and they did not renew my contract.

I have used all my sawings now paying for the student loans. I am not working.

My question: Is there any way i can be given relife from paying my studnet loans untill i get well and get back in my residency? I will also like the interest not to be charged.

Or what are my options? Could you please help?



Dear Satya,

Have you contacted the student loan servicer and asked about repayment options yet?

If these are government backed loans you may be eligible for the Income Based Repayment (IBR) program.

More information about what you’ve already attempted with the servicer would be helpful.

Please post your responses and follow-up messages to me on this in the comments section below.

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Steve Rhode

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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