I think the newer rules are to help those that went to those scam for-profit schools that went out of business. I could be wrong but those are the only changes I have read in the past few years. If you can get it, discharge is much better because it helps your credit rating unlike bankruptcy. Mine went up about 140 points in the last year since mine were discharged.
I realize this is an old thread but I will put this here for archival purposes(The bolded text is my doing):
Quote:
1 – If you are a veteran, you can submit documentation from the U.S. Department of Veterans Affairs (VA) showing that the VA has determined that you are unemployable due to a service-connected disability;
2 – If you are receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, you can submit a Social Security Administration (SSA) notice of award for SSDI or SSI benefits stating that your next scheduled disability review will be within 5 to 7 years from the date of your most recent SSA disability determination; or
3 – You can submit certification from a physician that you are totally and permanently disabled. Your physician must certify that you are unable to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment that:
- Can be expected to result in death;
- Has lasted for a continuous period of not less than 60 months; or
- Can be expected to last for a continuous period of not less than 60 months.
Source
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I got mine done through option 1. Very straight forward with no gotchas.
With SSDI, it looks like you need to be 5-7 years from your next scheduled review. That might be the OP's issue.
If #2 fails, there is always option 3 although you have to jump through a lot more hoops and seems to have a higher bar but it is an option.
I want to add that if you get a discharge it becomes taxable income. In my case that was $81,000!
However, if your liabilities exceeds your assets(including things like books and clothes along with the other usual suspects) you can qualify for insolvency through the IRS and avoid paying taxes on it. I would think most people on any government disability would have a negative financial net worth.
Hope this late information is useful.
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PDD with Psychotic Features, GAD, Cluster C personality traits - No meds, except a weekly ketamine infusion