If you've been declared disabled, you can fill out paperwork to have your loans forgiven, provided there are federal student loans such as the stafford loan, etc. There is a monitoring period for a few years afterwards where you have to fill out a form and sign it saying you did not attend any classes or school and you did not work. After that, they are completely wiped off your record. During that time, they are still considered forgiven and you don't have to pay anything on them. They show up on a credit report as paid in full. The private student loans are not included in this. If you have a private loan, you'll have to pay it. Those can't be forgiven under the program.