If you are on SSI/SSDI you can get federal student loans forgiven. It's actually an easy process, just one form and something your pdoc fills out. Once they approve it (the hard part) you have 3 years of monitoring where once a year you send in a form saying you haven't made more than a certain amount of income through work. At the end of the 3 years it is all done unless you take out another loan. It does create a tricky tax situation the first year but after that it's nothing. I would have had to file bankruptcy a long time ago if it weren't for that program.