By law, anyone with a severe disability is eligible to have the government discharge their federal student loans. The administration took steps four years ago to make the process easier by letting people who are totally and permanently disabled use their Social Security designation to apply for a discharge, but few took advantage. The Department of Education is now taking it upon itself to identify eligible borrowers and guide them through the steps to discharge their loans.
Right now, it is still difficult for many hard-working people to meet their living expenses and stay current on paying off their student loan debt. Quite a few who have graduated over the last five to ten years are struggling just as much as when they graduated from college.
Deciding between a law school with a generous scholarship and a school with a well-known loan assistance plan, 30-year-old Michael Kaercher made his choice based on the loan assistance plan provided after graduation.