A while back, I put in application for a discharge.When I didn't hear back, I got one of those "Brokey McBrokeass" applications to show that I'm on disability, food stamps, etc. and wanted to work out a nine-month plan to get my loans out of default. (How come nobody at the welfare office told me I could've applied for an economic hardship? and not damaged my credit? Bastards.)
You cant blame the welfare offices....they have no training in student loans unless they have personally gone thru it. It is not in the scope of their job.
Last week, I got a letter back saying that they were sorry, but they couldn't put me on a nine-month plan because my request was still pending (squee!) and that in the meantime, my loans would be in forbearance. I sent a copy of the letter to all three bureaus. Is there any chance that my loans will go into positive status, at least for a while, or will they stay in the negative because they were in default before they went into forbearance?
It wont have any affect on your bureaus. They simply put you into an administrative forebearance until your disability case has been decided. You are still in default. Keep in mind it is very difficult for qualify for disability discharge....the DOE's criteria for disability is much intensive than social security disability. Many conditions that qualify for SS disability do not qualify under the DOE's rules.
Ex-Financial Aid Officer
Ex-Student Loan Collector
