I have a bajillion student loans. Most are from 1998,1999,2000. The remaining was in 2016 for a masters that I didn’t complete. My life is just fckd right now tbh. In the space of 3 years I’ve applied for disability due to treatment resistant depression and autoimmune disorders that cause extreme pain and fatigue. My relationship with the father of my 2 yr old ended in June. I spent July, August, and September of this year in and out of mental health treatment. I have 23k in medical bills and am currently applying for forgiveness on those.

***the student loan debt question is:

I was in treatment when I found out about Fresh Start. My only option was mail. It postmarked on Sept 30, the last day.

I haven’t heard a thing so I logged in today and got to the screen I’ve posted. Does this mean I’m too late? And, regarding the status, does this mean they can take my disability back pay if I’d receive it?

I feel sick over this. Please be kind or don’t answer? I’m not in a great space. Thank you