Unfortunately some students or graduates become disabled after taking out student loans, and then have to worry not only about the new health problem, but paying back those loans.

The good news is that in certain cases, if you have federal student loans and you become disabled, your debts may be discharged.   To qualify for this discharge, a physician must certify  that you are unable to engage in any substantial gainful activity and that your condition:

 1) can be expected to result in death

2) has lasted for a continuous period of not less than  60 months or

3)  can be expected to last for a continuous period of not less than 60 months.

If you are interested in reading more about the disability discharge, or making an application, click here:   application for debt discharge

 **Please note that  this information may not be accurate for disabled veterans**