Our office takes great pride in helping client’s achieve their goals.
In this blog, we are highlighting a successful example of a
student loan discharge.
This particular client contacted the Law Office of Simon Goldenberg PLLC
for assistance with a federal student loan that was initially disbursed
in 1979. Our Client had medical issues that impeded his ability to work
and caused unemployment spanning a number of years. He was unable to repay
the loan, fell into default, and was certified for a federal tax offset
(which means his tax refunds could be taken to pay back his student loan).
With interest and collection fees, the loan balance increased to over $28,500.
Since the Client was collecting Social Security Disability Insurance (SSDI)
for many years, our first course of action was to seek a total and permanent
disability discharge on his student loans. Our
student loan lawyers obtained a Benefit Planning Query (BPQY) from the Social Security Administration
(SSA) and submitted it in support of the discharge application. However,
due to the particular details of the disability, the BPQY was insufficient
to obtain approval for discharge, and as such, the application was denied.
We then proceeded to assist the client in applying for student loan discharge
based on the certification of a physician, as opposed to relying on the
disability information reported by the SSA on the BPQY. Upon our processing
the new application, the Department of Education/Nelnet requested additional
information from the physician, as the original application was deemed
insufficient. If the physician had not responded to the request for additional
information, the process would have stopped. However, the physician did
respond with the additional information in a timely fashion, and the response
was deemed sufficient to merit the discharge of the student loan. As such,
the application for Total And Permanent Disability Discharge was
So long as our client does not breach any of the terms of the discharge
(ie. 3-year employment probationary period), he will never have to worry
about this debt again. He will not be subject to federal tax refund offset,
and he will not be subject to wage garnishment or legal action.
If you are seeking
loan forgiveness on your student loans, call us for a free evaluation - 877-717-0098. Student loan forgiveness and discharge programs exist for certain disabled
veterans, totally disabled individuals, governmental employees such as
teachers and police officers, and more.