How Do I Get My Student Loans Forgiven Because of My Mental Health Issues?

Question: Dear Steve, I have severe bipolar depression that always causes me to have mental breaks whether I’m taking medication or not. I have had to be admitted to the hospital quite a few times throughout my entire life. It’s something I have had since I was 7 years old. I also have student loan … Read more

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 … Read more

I’m Bipolar and Have PTSD and Got Us Deep in Debt

Question: Dear Steve, I am bipolar and have PTSD social security disability. I signed up for several credit cards to get mileage to visit our 6 children, needless to say, I got my husband and myself in 30,000 dollars debt in 6 months. I am 60 years old and my husband is 65 years old. … Read more

I Have a Mental Disorder and Student Loans. Can They be Forgiven?

Question: Dear Steve, I have student loans that I will need to pay after I graduate. However, I suffer from bipolar, manic depression and psychosis. Will I be able to receive a total and permanent disability (TPD). Or some other loan forgiveness. I am still attending school though. I have been hospitalized for about 10 … Read more

My Bipolar Disorder and Depression Has Hurt My Ability to Repay My Student Loans

Question: Dear Steve, Diagnosed in 1986 W/bipolar disorder, started Alcoholics Anonymous 1986(yes still sober & clean, 3/3/20,34yrs) I went to DeAnza College from 1990-1994, including summer, all vacation sessions allowed due to the fact of depression. I had to catch up. 1995 injured at work, 2 broke disks, had 2 wait 6yrs 4 surgery due … Read more

I’m Bipolar and Worried Sick About American Express

Question: Jon, Bipolar, Income Protection Insurance delays, no income. Single parent, child, Corporate Amex and £7K to pay and scared to call them. Owe family member and friend money, paying them is so important, I can’t sleep thinking about it. Credit history destroyed as 10 years ago was sick, made arrangements for lower payments with … Read more

My CPTSD Has Left Me Making Poor Choices About My Student Loan Situation

Question: Dear Steve, Married with kids. A masters degree in Urban planning. Long story Since I have trust issues and self-worth issues that come from untreated and misdiagnosed CPTSD I attempted to bootstrap myself into a better situation by getting a lot of education. Now I have a lot of education and a ton of … Read more

My Son Has Paranoid Schizophrenia and Student Loans We Need to Deal With

Question: Dear Steve, It’s regarding my son James. He is 44. He was diagnosed as a paranoid schizophrenic when he was 17. Many hospitalizations and has been on antipsychotic medication since. He graduated from college 15-20 years ago. I paid. He has borrowed about $56,000 from the Feds and about $3,000 from a private bank. … Read more

I Have Financial PTSD Over My Debt and I’m Physically and Emotionally Spent

Question: Dear Steve, I am physically and emotionally spent. I earn $9.85 and hour and have $75k in Federal loan debt. Depression sinks in when I think about the private loan amount. I have had deferments however, I thought I would be able to find some better paying work to be able to make the … Read more