Could getting on disability help me with this issue?

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tronist
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02 Mar 2012, 2:26 am

i think the best thing to do is to go to the source.

write down all the things you dont understand, then call them up and ask a thousand questions.

tsukaima
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02 Mar 2012, 3:11 am

glasstoria wrote:

if you have federal student loans, you can take advantage of the IBR program, Income Based Repayment, for as long as you need to which is based on income for any reason, meaning you dont have to prove disability just provide evidence of your wages. If your income is low enough, then your repayment is zero.

If you are already in default, this is not an option. I don't think the OP said they were already in default, but it's something to keep in mind for those who are.

I'm on unemployment currently, but I know as soon as I start working again that the $300+/month garnishments will start, so I have to budget that in what kind of jobs I will take. They want nearly $1000/month to rehabilitate my loans. Once you're defaulted, those are the only two options outside of permanent disability. The amounts are based of course on how much you owe and how much you earn. However, the rehabilitation amount will never go below a set amount, even if that's MORE than you actually earn.

As far as being permanently disabled, a doctor writing you a note is NOT sufficient. They will turn down your dismissal request. You have to be declared disabled by the government through the same process you would receive disability. Your loans would then be deferred. After a minimum of 3 years, if you are still listed as disabled, you could then apply for dismissal of your loans. I know this because I have a friend who is going through the process currently.

Sweetleaf
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02 Mar 2012, 10:54 am

tronist wrote:

i think the best thing to do is to go to the source.

write down all the things you dont understand, then call them up and ask a thousand questions.

See the issue is I would not even know what to write or what to ask, and I suck at expressing things over the phone especially stuff like that especially when it ends up being a rude person on the other end of the line. But yeah for now I just have to defer the loans...I think, but I'll find all that out but in general I know for a fact I have a very hard time understanding that sort of stuff so I am kinda concerned with other possible issues than just the college loan thing.

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Sweetleaf
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02 Mar 2012, 10:57 am

tsukaima wrote:

glasstoria wrote:

Wait where did I say it was defaulted? I said in 6 months I have to defer it which means I tell them I don't have the means to pay it so they give me more time instead of it defaulting. If I don't contact them to defer it then it would be in default....But that is not the case.

Also I plan to get on disability, so that I will do..but yes the idea is not to let the loans get into the default thing.

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Sweetleaf
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03 Mar 2012, 3:46 am

I did not want to bother starting a new thread but I have another question if anyone sees this and has any opinion on it. Should I leave AS out of the disibility application? Last time I applied the psychologist I ended up talking to as part of that process did not even know what it was. So I was thinking of maybe leaving that out and they can do what they want with the symptoms the other 3 disorders don't account for.

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nick007
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03 Mar 2012, 4:41 am

It won't hurt you to mention Aspergers but SSI/Social Security may require you to see a psych for an evaluation. AS was listed as my primary disability when I got on SSI but when I was being evaluated for Social Security Disability; I had to see a psych because all the other psychs I seen after I got on SSI said I had Schizoid Personality instead of AS so Social Security had me go to a psych because they weren't sure if I had AS or not. AS was changed to Schizoid on my paperwork but Schizoid is not listed as my primary disability like the AS was before. My low vision is my primary disability now & it has been the same all my life so I'm guessing AS in considered more sever than Schizoid Persoanlity

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Sweetleaf
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03 Mar 2012, 11:38 am

nick007 wrote:

I guess maybe I will include them all, and if they decide the AS symptoms can be accounted for by something else then I probably won't argue the point too much.

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nick007
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03 Mar 2012, 12:37 pm

Sweetleaf wrote:

nick007 wrote:

I guess maybe I will include them all, and if they decide the AS symptoms can be accounted for by something else then I probably won't argue the point too much.

I think that would be best. Try to explain how those things affect/limit you too like how it could cause problems with interviews, problems getting along with others at work, how you could get overwhelmed by things or maybe confused, you don't have connections/friends to give you job leads or good references due to being less social ect.
Your more than welcome to PM me if you have anymore questions or want someone to talk to or anything. You remind me of myself in some ways when I was depressed so i really want to help if I can;

Desurage
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03 Mar 2012, 9:22 pm

Sweetleaf
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03 Mar 2012, 9:37 pm

Desurage wrote:

okay here is the skinny on disability
I have SSD, SSI, medicare, medicaid, and live in a transitional living program that also can help me get education etc.

First of all, you had to have had a job for four years or more. So unless you've been working all this time SSD isn't for you.

SSI and medicaid are what I will be applying for...it is SSDI you need to have worked for four years or more. I know this as I already applied for SSI

Second, student loan law is really stupid right now in america. You shouldn't bother paying anything at all, if you can work then making an arrangement is cheaper(usually) than garnishment but honestly, its not worth it. Credit is important, but not for you, as you have no money and no way of making money.

The trouble is I can't work, I mean I am capable of doing work but my psychological symptoms interfere with my ability to do anything consistantly, as for college there are some other issues involving anxiety from PTSD other then not being able to keep up with the work load that interfere. well everything interferes but it seems the PTSD is the main issue when it comes to college.

Put your debt out of your mind until you actually have a plan to pay it back, in other words a stable job and reasonable payments that don't sacrifice your living situation.

That is what I will do more or less, though I still have to call the loan place or whatever and have them defer it, other then that a stable job is not on my mind right now, I need to address some of the major issues I'm having and try to do something about that before I can hope to function in any stable employment if I can reach that point.

Also, disability is not enough money to pay back most loans. My loan was orginally 10k but then defaulted to 18k because student loan law is designed to make you a debt slave.

Yeah I know that, that's another reason I dropped out when I did.......I did not want to dig that hole even deeper when I can't even function at college or a job.

Yes, they will call you. Man up and hang up. They don't care a single ounce about you or what you are going to do, they just want a check.

I might answer the call but if they start talking crap I will certainly do that...but hopefully I can get it deferred so it is not defaulted.

As for your life being ruined, yes it will be ruined if you let this control you. This is actually a minor and common thing these days and your fear is stopping you from dealing with the problem in a effective way.

You likely need some therapy right now, disability will definitely not take care of your loan, but you can learn how to deal with your problems and manage them, then get a job, and the loan will just become something else to take care of.

Also I am not sure I will reach that point, that has yet to be determined......but it will be better to have some income than no income, not to mention depending on what is determined about my mental state there might be other options besides being expected to pay back what I don't have but we'll see......I am certainly not going to put all my focus on it though. But yeah if any collections crap did try to harras me it would certainly make me more paranoid than I already am which I probably don't need but we'll see I guess.

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Apple_in_my_Eye
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03 Mar 2012, 9:43 pm

Desurage wrote:

First of all, you had to have had a job for four years or more. So unless you've been working all this time SSD isn't for you.

That isn't correct. There is only a work requirement for SSDI, not for SSI. The purpose of SSI is to cover disabled people who have not worked or not worked enough to qualify for the highest level of SSDI.

wornlight
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03 Mar 2012, 10:59 pm

Apple_in_my_Eye wrote:

Desurage wrote:

First of all, you had to have had a job for four years or more. So unless you've been working all this time SSD isn't for you.

you do not necessarily have to have worked in order to receive ssdi. if you are disabled before age 22 and one of your parents is dead or retired and they earned enough to qualify, then you are eligible to receive benefits based on their earnings. in this case, you will receive 75% of what your highest earning retired [or deceased] parent would [have] receive[d]. this is not subtracted from the parent's benefits.

nick007
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04 Mar 2012, 3:15 am

Apple_in_my_Eye wrote:

Desurage wrote:

First of all, you had to have had a job for four years or more. So unless you've been working all this time SSD isn't for you.

I'm on SSDI & I only worked for about 38months. I paid enough into it from working to collect because I worked a lot when I was at WalMart. I was averring 55hours a week my last few months there because we were shorthanded.

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