Hey. I wasn't sure if I technically qualified for either Unemployment or Hardship. I tried looking into it, but the way it was worded on the forms.

I've never filed for unemployment, and to be honest, because of my depression, am not really actively seeking a job, for fear I might lose it. From what the deferment form said, it seemed like I needed to qualify for Unemployment, which usually necessitates me actively seeking a new job (I think, I have no clue for sure).

As for hardship, It was worded so that I either needed to be getting State/Federal help, be in the Peace Corps, or be working full time, and have my income= less than some %age.

I also looked at disability deferment, but I doubt depression counts as a "bad enough" disability.

I'm not really good at understanding the legalities of the different requirements though so I could be very wrong. Do you have any idea if I could talk to anyone (online preferably) who would be able to better tell me if I qualify? I feel like I have a rather unique situation. I looked on the Stafford Loan website and even under Contact they didn't have any way to contact them (like those online chat help people, which I prefer dealing with).