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3 Steps to Prevent Losing Your Social Security Disability to Student Loan Debt

December 17, 2014

 Don’t Lose Your Social Security Disability to Student Loan Debt: 3 Steps How to


If you’ve defaulted on your federal student loans, you may have up to 15 percent of your Social Security disability (SSD) check taken for that debt.


Default occurs when you fail to make payments on your student loan as scheduled. 1 As the average student graduates with $28,400 in debt2 and the average monthly SSD check is a little more than $10003, you can see there’s a large gap between the two numbers. It may seem impossible to pay off student loan debt while receiving SSD, but there are ways to make sure that your check will not be offset for your loans.


  1. Contact your student loan provider immediately to work out a lower payment plan. If you have unaffordable monthly payments, you’re more likely to default on the loan.

  2. If you could not lower your payments through your student loan provider, contact the Department of Education’s ombudsman, a neutral party that attempts to settle federal student loan disputes. 

  3. If you are still unable to lower your payments, contact a lawyer. 4

We know how important SSD is to our clients. Make sure your student loan is not interfering with your Social Security disability payments by figuring out a manageable repayment plan for your loan. If you need legal assistance, call us today at 800.773.1300 or fill out the contact form on the right-hand side of this page.







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