College Loans and Disability

You know, I was initially going to just make a blog post about some positive things in the twitch community. However, something a little more serious has come into play after some thought. So now I will preface it with this. I have tried to get statements from others having this problem, but they did not want to come forward and put their names on it. So the only story I have is my own, but I can say others have had this problem. Unfortunately, no one at this time wants to step forward.

For those who are unaware, I am taking college classes, particularly in two fields of study, business administration and quantitative economics, some pretty heavy stuff. Now I am starting my first few years at a community college and making sure everything has no hiccups. I thought of getting some school loans just in case I could not work my job or something were to occur where if one had to focus on schooling and not work for a time, then it could be done.

Here is the problem. Due to health issues and previous school loans, now in a degree that can no longer be worked, I have what was called a TPD discharge. A total and permanent disability discharge. This means the government in a different department looked at what I originally did and thought. “This guy is no longer medically clear to work the degree he spent time learning and we cannot in good faith have him pay on it.”

Now it also means for three years, I cannot take any school grants, and I cannot take any more school loans until that period is over. I got the help, but for three years, I was on my own if I wanted to go to school. I am not getting any help from my family as they are concentrating on burning everything they have for the sake of cigarettes and cheap nail polish. Grants do take care of classes, but to make sure rent is covered by something would be some relief that I could use. Now, with Biden declaring how a portion of student loans will be forgiven, it would be really good to know what I took out would be removed.

Well, no, I have some questions about the amount and how that will hit a market already ballooning with inflation (remember economics major). The problem is before anyone points at my school loans as a gotcha, one has to be aware. No subsidized loans were made available to me. In fact, the community college in question declared that either a signed note backed by my neurologist or doctor stating that my health was 100% and my previous disability was gone or there would be no subsidized loans available.

It sounded weird, so meetings online were planned and attended where we could go over them more in-depth. The amount asked was not in question as it was low enough it could be handled by a subsidized loan. Still, the fact the Portland Community College explained it was due to the three-year time frame that had already expired with evidence to prove it to them. I did not take my first semester until it was already passed and still made sure everything was cleared beforehand. This made the person dealing with their finances stumble and grasp.

“Oh well even though you are disabled the government doesn’t want to take loans that won’t be paid.”

“So you are because of my disability not allowing me to get cleared for subsidized loans?”

“Correct.”

I did not yell or scream. I simply to my lumps and decided to get more information. Now, I took this to some disability lawyers just to get their opinion, and the consensus was either the Portland area had lawyers with no testicles or there was no case to be had. The problem was the decision was to make sure the loans would be repaid. As they are subsidized, the school would need to okay them from government lenders, and because of that, I would not need to pay interest until I was done with school. It was not the loan givers making it so they could not be sued, and the school was making decisions within their right, according to the lawyers around here, so they cannot be sued. From this point, it was just aggravating because there were still problems to be taken care of and the resources available for others were not available to me.

There was something that could be done, but I adapted, and as it stands, I can continue to adapt. This has been something that others have dealt with, making me a little bit miffed, to say the least. I will try to bring more evidence, but I would like to hear from you.

After A TPD discharge has been used and after the three-year time frame has expired, should they, if able, go into college and learn something to better themselves? For example, should disabled people have the right to school loans, or should they not, or is it something in between?

In fact, I may also have something to write about to help more people. Also, sorry this was late. Between health and problems, time decided to move faster than I liked, but I hope you will like the content coming.

Stay Strong.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s