Will they garnish my Social Security Disability (SSDI) ?
Posted by Glittering_Star_4352@reddit | studentloandefaulters | View on Reddit | 8 comments
140K Federal Student Loan in Default.
Is this true?
https://studentaid.gov/help-center/answers/article/social-security-disability-benefits-tpd-discharge
Curious_Passenger245@reddit
You can apply for a disability forgiveness. If permanently disabled it will eliminate your student loan debt.
Glittering_Star_4352@reddit (OP)
I need to get out of default before I can apply for forgiveness.
I don't have the money to get out of default.
attorneyworkproduct@reddit
Where did you read that you can't be in default when you apply for TPD discharge?
jhewins1975@reddit
Such BS! If you are receiving disability, that should be enough evidence to prove you are disabled, and therefore unable to pay! The loan should be forgiven due to your disability. Hey, how about we pay back our student loans when the members of Congress repay their PPP loans? Oh wait - those were forgiven. Yeah, real fair system we got here.
GoalPuzzleheaded5946@reddit
I'm not here to argue what/how to should be done, I'm just giving straight facts so that people reading this understand.
When you are approved for disability, you are set for periodic review following the guideline of:
If you're disability is expected to improve: 6 to 18 months after our decision.
If improvement is "possible": then you're scheduled every 3 years
Improvement is "not expected: then you're scheduled every 7 years.
When speaking about student loans and total disability discharge, you need to be "permanently" disabled, thus under a 7 year review schedule.
Again, I'm not here to argue what is or isn't right, just how the current system works and WHY loans aren't automatically forgive: if you're expected to improve of "possibly improve", you aren't considered totally and permanently disabled in terms of loan forgiveness.
odinspirit@reddit
Oh you can bet they will. They are making no bones about it. They are going to go after the poor people of this country and make them more poor. And they don't have one iota of sympathy for you. This new administration is completely heartless.
LightBleuxDart@reddit
Unfortunately it is true. Makes zero sense to me since a person who applies for disability usually isnt working, therefore cannot pay bills. My sister applied and it took her 8 years to get approved. We had to pay her loans during those 8 years until she got approved so they could be discharged. Seems backwards.
Putrid_Factor_2660@reddit
If it's federal, they might.