You might try writing to the student loan agencies and asking how to get a medical deferment. That is open to people who can no longer work who qualify for disabled services. they will send you a form and you take it to your treatment professionals. The treatment professionals sign the affidavit saying you are unable to work indefinately and or permanently and the severity of your disability. then you send in the form and either they send you a notice that your student loan has been deferred/written off as unpayable due to your being mentally and or physically handicapped. or they will send you a notice that they want more information and what professionals you need to see.. Once the loan is deferred/wrote off it will stay on your credit record for 7 years during which you will basically be unable to obtain any kind of credit. But I can tell you from going this route with my student loans it is worth the shot. once the 7 years have past you can start to rebuild your credit history easily by applying for a department store credit card and placing something on the card even though you have the money for it and then paying it right off.