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tnl1985 · Jul 17, 2012, 10:50 AM

When you had to leave school because of an illness is there anyway to get the loans wrote off, waived, or something other than bankruptcy? If bankruptcy, what are the qualifications for a school loan to be discharged?

JudyKayTee · Jul 17, 2012, 10:52 AM

Originally Posted by tnl1985

When you had to leave school because of an illness is there anyway to get the loans wrote off, waived, or something other than bankruptcy? If bankruptcy, what are the qualifications for a school loan to be discharged?

Please define "school loan." Individual, government-insured, something else?

excon · Jul 17, 2012, 11:12 AM

Originally Posted by tnl1985

what are the qualifications for a school loan to be discharged?

Hello tnl:

Student loans are NOT dischargeable through bankruptcy.

excon

tnl1985 · Jul 17, 2012, 11:12 AM

Direct Plus sunsidized and unsibsidized, and another, but all government

JudyKayTee · Jul 17, 2012, 11:25 AM

Originally Posted by tnl1985

Direct Plus sunsidized and unsibsidized, and another, but all government

Under extreme circumstances, with a lot of paperwork and effort, Physicians' statements, permanent disability, it is possible to get the debt discharged. A friend of mine just discharged her entire law school debt.

It took her years, but she ultimately succeeded.

You would have to contact the lender for the details.

AK lawyer · Jul 17, 2012, 11:26 AM

Originally Posted by excon

...Student loans are NOT dischargeable through bankruptcy.
...

Well, that's not quite true.

"11 U.S.C. § 523 : US Code - Section 523: Exceptions to discharge

(a) A discharge under section 727, 1141, 1228(a), 1228(b), or
1328(b) of this title does not discharge an individual debtor from
any debt -
...
(8) unless excepting such debt from discharge under this
paragraph would impose an undue hardship on the debtor and the
debtor's dependents, for -
[student loans]
..."

Proving an "undue hardship" is very hard to do.

excon · Jul 17, 2012, 11:28 AM

Originally Posted by JudyKayTee

Under extreme circumstances, with a lot of paperwork and effort, Physicians' statements, permanent disability, it is possible to get the debt discharged.

Hello Judy:

You're so smart...

excon

AK lawyer · Jul 17, 2012, 11:30 AM

Originally Posted by excon

Hello Judy:

You're so smart...

excon

Well, actually it appears that Judy's friend is so smart.

After all, the friend did go to law school. :)

JudyKayTee · Jul 17, 2012, 11:44 AM

Originally Posted by AK lawyer

Well, actually it appears that Judy's friend is so smart.

After all, the friend did go to law school. :)

So did Judy - her friend sat closer to the front of the class and actually graduated. Apparently the friend also paid very close attention.

tnl1985 · Jul 19, 2012, 06:02 PM

Thanks everyone

JudyKayTee · Jul 19, 2012, 06:03 PM

Originally Posted by tnl1985

Thanks everyone

Did you find out what's involved? My friend says she had to be completely and permanently disabled. There's some sort of clause that if she works within "x" number of years the loan becomes payable.

Is that what you found out?

tnl1985 · Jul 19, 2012, 06:54 PM

Originally Posted by JudyKayTee

Did you find out what's involved? My friend says she had to be completely and permanently disabled. There's some sort of clause that if she works within "x" number of years the loan becomes payable is that what you found out?

No, I haven't researched yet but got an idea where to start from all if the help responding. I actually was in law school and completed two years, diagnosed with Ischemia, Crohn's Disease, Ulcerative Colitis, Anemia of the colon, and Inflammatory Bowel Disease during my first year that I fully completed. Then I had a rapid decline in my health. The second year I withdrew from four of five classes because I missed so much class being hospitalized three times, out on medical leave 3 times and just fell behind. I wasn't advised I could take incompletes and be able to finish later so that I didn't pay tuition for nothing. They refused to give any tuition back even thought I was in their Disability Resource Program receiving accommodations for my disease, and providing them with ask medical documentation and informing them of each leave and hospitalization. They still kept $20,000 knowing I didn't get taught because I couldn't be there. The next semester I got an extension added to my final exam dates, giving me an extra month because my doctor pulled me out again because the ischemia decayed more of my intestines. I got better and finished 3 of 5 and from reading up, I took uncompletes for the other two. The next semester, I started on August 20th and on a year medical leave because my colon was dying and I couldn't even hold my bowels at that point and only 25. I kept going to school but stopped Sept 2nd because I was a liability if under medical leave, and they kept all my tuition again. Then when I tried to go back, they wouldn't give my grants to me because of poor performance, not completing as many units as I was supposed to and not attending on leave putting me behind I'm a three year program, when it was because illness and disability. I feel I should get the tuition back because I wasn't taught and was sick.

tnl1985 · Jul 19, 2012, 06:56 PM

And now because of my disabilities and diseases I will have to pay almost double what the other students paid for their law degree... I will pay almost $200,000 paying for semesters I couldn't attend and paying again for the same thing

tnl1985 · Jul 19, 2012, 07:02 PM

Pretty much, I had to pay for each class twice and now I'm not there and getting damn disability that's only $336 a month in the San Francisco Bay Area, which is not enough to live at all with one bedroom apartments stoping $1,600 on average. Now they are after me for repayment of loans and interest, took away my grant so I can't afford going back, and screwed me. It would take another year for me to be done, so I lost all the tuition I paid and the education, I didn't get the money or the knowledge I paid for.