You certainly are in a bad position. You should make a call to SSDI and see if you can hurry them up on your review. There isn't too much else you can do. you are falling into the same hole I fell into a couple of years ago and all I could do is wait for the right money or the right age whichever came first. I hope you get some help soon. As for Sallie Mae, I have also dealt with them and they are horrible people to have a loan with. I wish I could help you but ........