I have roughly 250k in Private and Federal Student Loans. I never finished Chiropractic school. I have no job, relatively no income(try to do side jobs, basically anything for money just to live) and barely get by. I live in Florida, is there anything I can do? Would really bad GOUT be good enough? I can’t keep a job because sometime I get flare ups so bad that I can’t even touch my foot, that happens even while taking medication. My credit score is beyond bad now. I will never live a normal life. Is there even a chance I could do bankruptcy to discharge the student loans? Especially the private ones? Do you know of any that will even try for me?
May 3, 2014
I’m sorry to hear about your student loan and medical issues. It sounds like there are a lot to get resolved here.
My first suggestion would be to see what you can do to get things under control with your lenders. With relatively no income, getting your federal loans under control is surprisingly easy… private lenders also offer programs that can help. You can find a number of suggestions on this page: https://studentloansherpa.com/…..-payments/
As for your gout, I really don’t have the medical knowledge to understand how this would affect your student loans. However, I can direct you towards the page that I think is most informative for getting a disability discharge of your federal loans: http://www.disabilitydischarge.com/faqs/ With your private loans, a disability discharge will depend upon the terms of the contract with the lender.
A bankruptcy discharge of student loans is normally very difficult to get, but based on the circumstances you describe here, it seems like you should be deserving. This is a subject to bring up with a local attorney. I’d suggest reaching out to some bankruptcy attorneys or possibly contacting your local bar association. I’m afraid that I don’t personally know any Florida attorneys with knowhow to address your situation, but there are more lawyers than lawyer jobs, so if you keep calling around, you should be able to find someone.
Unfortunately, it sounds like you have a long tough road ahead of you, but there are resources available to help. Keep us posted on how things go, and if you get stuck on an issue, we would be happy to try and point you in the right direction.