I signed up for "fresh start." I got a letter when I got accepted. I wasn't really clear on how it works. I was under the impression that it would get me out of default, reduce or zero out my debt, and stop my disability payments from being garnished (or as much), but that the government was who I'd be paying anyway.

I did not understand that they are going to hand my loans to some private company. And this will be soon, in a week or so. I assume that means trying to get them discharged due to being on SSDI won't work anymore because the loans will be owned by a private entity...

(I should have dealt with the discharge issue years ago. Executive functioning is one of my problems, which is how I got in this position in the first place... And I don't understand which agency I should be dealing with at this point.)

I wish they had at least said how much I would have as a payment with fresh start but the letters I got don't mention this.

Does anyone have any experience with getting their loans discharged due to a disability? How does it work?

Is it possible to ask the DoE to hold off on transferring my loans while I try to get the discharge? I have no clue how long it takes, and I don't want to miss the opportunity to have the loans transferred if they won't discharge them.

Apparently I don't even know what I am asking. I'm just confused about what I should do.

I didn't mean this to be so long. I'm just going back and forth and hoping someone here can help me figure this out. TIA anyone who has any useful information/advice for me.