
Quoting
ellapescada
If SSDI is Disability then no. She is not disabled. She has a family member (a parent) who is and for whom she cares. She would not quailfy for loan forgiveness because nothing is wrong with her to prevent her from working. She did have a physical problem and at that time for reasons "unrelated" lost her job, but now she is fine, but has no job.
She would like to, but her professional lisence is being withheld until she pays her entire student debt. She does a little to make money right now, like babysit every once in a while, but she has a very sick family member and she has a child so the cost of replacing her at home would be more than the wage she could earn. Even if she were to return to her full earning potential by using her degree in the helping field, it would take her 5 years of her entire salary to pay off her loans. If her wages are garnished she doesn't mind, after all, she owes the money. She would pay a reasonable amount on the loan now, if the collection agency said it would do her any good. She's not trying to avoid the debt, but if the debt can't be satisfied, and it is wrecking her entire financial future, then she wonders why she should spend the last of her savings satisfying debts that can't be satisfied.
It doesn't seem like there is any benifit to doing so in terms of the credit collectors, and she should have savings for her children's safety.