Quote from: Lillupie on November 12, 2012, 07:03:15 PMQuote from: Simon Dog on November 12, 2012, 06:10:20 AMQuoteSo yeah that is why I dont work and why he wouldn't sign off to have my loans forgiven.The reasons are tough, but a large percentage of the reasons are those that the govt will not accept as a factor in determination of disability for student loan purposes. Don't assume that loan forgiveness would necessarily be forthcoming, even if your doc signed the papers. One of the standards for forgiveness is no possibility of becoming un-disabled, and that one could he hard to prove.But now its to the point that Im never going to be able to pay them even if I become able to work a full time job. When I first got out of school the loan amount was $200 a month approx. Year after year of being on dialysis it is now with the intrest rate, the payments are $500, even with a good paying job I am not going to be able to pay $500 just for a student loan!! THey wont get rid of the intrest rate for me to be able to afford it when and if I can work. Now if I werent on dialysis and could work right after college, my payment would of been $200, but with going 4 years on economic hardship, the intrest rate keeps adding up and up.can't you get a forbearance? Something that freezes it so the interest doesn't accrue? Nope there is nothing that I can do to stop the intrest rate from piling up.
Quote from: Simon Dog on November 12, 2012, 06:10:20 AMQuoteSo yeah that is why I dont work and why he wouldn't sign off to have my loans forgiven.The reasons are tough, but a large percentage of the reasons are those that the govt will not accept as a factor in determination of disability for student loan purposes. Don't assume that loan forgiveness would necessarily be forthcoming, even if your doc signed the papers. One of the standards for forgiveness is no possibility of becoming un-disabled, and that one could he hard to prove.But now its to the point that Im never going to be able to pay them even if I become able to work a full time job. When I first got out of school the loan amount was $200 a month approx. Year after year of being on dialysis it is now with the intrest rate, the payments are $500, even with a good paying job I am not going to be able to pay $500 just for a student loan!! THey wont get rid of the intrest rate for me to be able to afford it when and if I can work. Now if I werent on dialysis and could work right after college, my payment would of been $200, but with going 4 years on economic hardship, the intrest rate keeps adding up and up.
QuoteSo yeah that is why I dont work and why he wouldn't sign off to have my loans forgiven.The reasons are tough, but a large percentage of the reasons are those that the govt will not accept as a factor in determination of disability for student loan purposes. Don't assume that loan forgiveness would necessarily be forthcoming, even if your doc signed the papers. One of the standards for forgiveness is no possibility of becoming un-disabled, and that one could he hard to prove.
So yeah that is why I dont work and why he wouldn't sign off to have my loans forgiven.
btw, how do you know all this bad news?
I went through a similar situation. Dept. of ED. discharged my loans and I'm not allowed to earn more than twice the poverty level for three years. I'm a licensed healthcare provider and would like to work but it's not at all certain I can. Being 62 and not having worked for 2 years also means I'll have to be self-employed again. Anyway, if you're not coming off of dialysis you have a solid case for the Dept. of Ed. You may have to fight. I had to pay for a lawyer from my SSDI to hammer the nephrologist so he'd send the forms to the Dept. of Ed. On the other hand, he needed his posterior kicked and I had nothing better to do. Red Mist
You're lucky... Andy just got called and he told them he was sole caregiver to a home dialysis patient. Didn't matter, they still consider him eligible.
Quote from: Desert Dancer on January 02, 2013, 09:26:44 AMYou're lucky... Andy just got called and he told them he was sole caregiver to a home dialysis patient. Didn't matter, they still consider him eligible.DD, may I make a suggestion???... Get your Other Half to write to the Court, explaining that while he's happy to 'do his Civic Duty', etc., there are certain arrangements you need to court to make to enable you to do so...For example, he could write something along these lines...I am Primary and sole carer to my wife who has end stage Renal Failure, is on Peretonial Dialysis administered four times daily... She also has (insert other health conditions here)... As my wife is so unwell, I cannot in all consience leave her home alone for any length of time...1. As I'll have to bring my sick wife with me, I'll need a Disabled Access Parking Space reserved...2. I'll need the court to adjourn at least once, and more likely, twice each sitting day to administer my wife's dialysis... Forty minutes for each exchange should do it...3. I'll require the use of a room containing a couch or suchlike for my wife to rest as Chronic Fatigue is a major symptom of Renal Failure... Will also need this room to have handwashing facilities and a hard surface to sterilise in order for me to administer the dialysis... Peretional Dialysis has a major drawback... Infection Risk!... A peretonitis is very easy to aquire, but can be fatal... Please ensure that any Air Conditioning/Heating System in said room needs to be filtered for safety... I would appreciate the reassurance of certification of clean air circulating in the room...4. The court will have to be aware of, and make allowances for the fact that Renal Failure is a variable condition... One day a person is 'up', next day very unwell, and needs medical assessment... If that were to be the case during my jury duty, of course, the court would need to adjourn to allow me to get her the help she needs... After all, as her sole carer, my first duty is to her...I do of course realise that meeting these requirements might be very difficult for the Courts Service to meet, but please understand that it's FAR more difficult for me and my wife to meet the demands of my serving on a jury... If I am to serve, I believe it's only reasonable for the service to meet me halfway in this endevour....Give it go... You've nothing to lose, and everything to gain!.... It'll make it VERY difficult for them to insist he serve!...Darth....
Forgot to post...Used the KD Card just before Christmas... Got called for Jury Service...Wrote to the court explaining that I'm caring for my mum who has KD and Parkinson's, and I'll need to do her dialysis three times a day...Got a letter by return post withdrawing the summons... Yes, I know it's my civic duty, etc., but I have to say being able to play this card was useful...Love to all...Darth...
I Hate Dialysis Message Board
I Hate Dialysis Message Board
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