It worked fine for me. No fighting and my SSDI paperwork plus whatever my pdoc said was all it took. I think it was only a matter of weeks. That was 5 years ago though so maybe they made it harder? Mine were officially cancelled about 2 years ago. Maybe I'm considered totally and permanently disabled? I don't know.

I wasn't trying to spread mis-information; this truly did work easily for me.



That would be so hard. My payments on my loans were really high because I had to borrow grad school, including living costs. Plus I had some loans from undergrad. If I'd had to make student loan payments out of my social security I would have had to give up eating, especially during the year I was hoping to keep my home and had to pay my mortgage.

My biggest problem right now is medical bills. I qualify for medicaid to cover a big chunk of them and somehow they aren't being billed. So every month I call and politely demand they submit the claim already. I know this is going to wind up in collections and it's not my fault. If my bill had been a little higher I could have gotten 0% financing but I was to borderline so I just have to keep making payments, keep pestering them and hope that they don't send it to collections since I'm making big payments every month. At this rate they'll owe me.