I’m Disabled and Having My SSI Garnished for Student Loans. What Can I Do?


Dear Steve,

In my 3rd year of college, Dec. 1988, I was involved in an auto accident with a semi. My head hit the steering wheel with force and I have CNS damage and lesions on my brain. I went right back to school and failed class after class. I did not have continuous memory for 6 months. I have been on SSI ever since. I am hounded by student loans and they took my Social Security back pay which I need to move back home where I can afford to live.

Isn’t there some way to discharge those loans which I have no hope to pay and have never profited from? Isn’t there anyone who will help? Politicians won’t reply. I need to file bankruptcy but cannot afford it.



Dear Ron,

If your Social Security benefits were seized then this tells me these are federal student loans. And since you qualify for SSI it would seem you already have a disability determination. So the most likely solution would be a Total and Permanent Disability Discharge. It would be free to pursue. Click here for details.


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.

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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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