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Tucson Social Security Disability Blog

Disabled Struggle To Get Student Loan Debt Relief

Posted by John Kuhnlein | Jun 25, 2020 | 0 Comments

If Social Security finds that you are disabled, you can get relief from your student loan debt.  This has been the case since 2016. A recent investigation by National Public Radio (NPR), however, finds that many disabled people are not getting their student loans discharged. 

The Word Is Not Getting Around

One of the surprising reasons that so few people have benefited is that hardly anyone knows about the law. Critics suggest that the Department of Education

What New Law?

(DOE) is not doing enough to inform disabled debtors of their right to loan forgiveness. It is tempting to infer mal-intent from this, that the DOE is conspiring with banks to keep the disabled in debt. But, the more likely explanation is simple incompetence. For example, when the Obama administration tried to contact disabled debtors, they discovered their database of names and addresses was out of date.

Traps For The Unwary

Once disabled debtors do apply, their troubles do not end.  The process of getting student-loan debt erased is filled with bureaucracy and traps for the unwary. Even if the application makes it through, it can still take years to get approved. During this time, many debtors go into default and see their credit ruined. Some even have their disability checks garnished to pay for loans that the lenders should have canceled.

Little More Than 1 in 4 Get Debt Relief

The numbers are daunting. Despite the fact that DOE claims to have discharged the student loans for 40% of those eligible, NPR found that the real number was much lower, 28%. Approximately 550,000 Americans have become eligible for debt forgiveness since the law took effect in 2016. Of those, only about 200,00

1 Out Of 4? That's Like 25%

have gotten relief.  Of that lucky group, almost one in four have had their loans reinstated due to various issues.

Disabled Debtors Share Some Blame

Not all the fault lies with the government. Some debtors simply don't respond to offers of debt relief or comply with the requirements to get their applications

It Literally Pays To Know

finished.  For example, those conditionally granted loan forgiveness are required to report their incomes for three years. Too many people fail to do this and get tossed out of the program.

Disabled Veterans Fare Better

Disabled veterans will get better treatment soon. Shortly, their student loan debt will be canceled automatically. This is a good start and it shows the DOE can provide effective debt relief. But, for now, disabled non-veterans are stuck trying to get their student loans discharged.

Find Out Now If You Qualify For Student Loan Debt Forgiveness

If you are disabled and have student loan debt, immediately investigate this law to see if you can get relief. You will likely have to be persistent and thorough, but it would be worth it in the end.

About the Author

John Kuhnlein

Since 1992, I have been helping the people of Southern Arizona get the benefits they are due. Before devoting all my efforts to assisting people with Social Security disability claims, I also handled such complex lawsuits as medical malpractice and products liability. I brought to my Social Security cases all the skills and attention to detail that I developed in the courtroom. I approach each Social Security disability case as if it were a million-dollar lawsuit. For the people trying to get Social Security benefits, their claim is every bit as important. Because I have personally handled so many Social Security cases, I have refined the skills I need to win your case for you. I have helped people win cases for every kind of ailment from arthritis to valley fever. At present, I am focused on helping those persons with neurological and orthopedic disorders. Because claims for people over age fifty bring additional complications, I particularly seek out those cases to work on. I regularly write about back and spine conditions on my blog. I actively seek out the latest information about orthopedic and neurological disorders to ensure I can represent my clients as effectively as possible. Because of my current focus, I regret that I am not able to take any cases for mental disorders. If you are over age fifty and suffer from any orthopedic or neurological disorder, please contact me at once.


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