I have an appt with my Dr next week, and I have to try to convince him to fill out forms for student loan forgiveness. I took out the loans fully expecting to be able to work and pay them back, and that is just not happening. There are not many options re loans either. You cannot include them in bankruptcy, you can only defer them for a few yrs (& I have been doing that), and even the lowest income based payment plan is far beyond what I could manage. And, apparently since our brilliant govt has been screwing around with SS for so long and are now running out of money, they are cracking down on loans by taking the money out of SS payments. Considering that what I am currently getting does not even cover the most basic living expenses, there is no way that I can take anything out of it to pay for loans. For whatever reason, the loan people do not consider the fact that I am on disability enough proof that I am unable to work either. (like it's easy to get SSDI!) So, I have to figure out how to get my Dr to fill out the forms (and considering that he didn't even want to sign something for me to get a permanent disabled parking permit, this is not going to be easy....he did finally sign it, but he kept saying that there is no reason to believe that this is permanent!), and not only that but I have to figure out what to have him put on the forms that will convince the loan people that I absolutely cannot work at all whatsoever. The forms say quite clearly all over the place, "totally and permanently disabled". They do have a three yr conditional discharge, though. So after the Dr fills out the forms, you cannot work at all for three yrs and then they forgive the loans. If even they consider three yrs permanent, and I have already been sick for almost 6, of which the last couple I have been almost housebound and barely managing to take care of myself, you would think the Dr would get that I should be considered disabled. I think that he just doesn't want me to give up hope that things may someday improve, and I haven't, but given that there is a very good possibility that they won't improve, and given that I am completely unable to work rt now, I am totally screwed if he does not fill these out and if they are not considered sufficient. So, any ideas of what to put on the forms and/or how to get him to fill them out would be really helpful.