My husband nearly completed his aerospace engineering degree before he got called back to active duty. Because of his military service he wasn't able to return to school to finish the program...and in the interim was wounded in Iraq. He has been unable to work or go to school since his injury. In the meantime, his federal students loans were still needing to be paid. They went into default and ruined his credit rating. We notified the SL provider of our circumstances and they "consolidated" his loans into one...but they extended no other options for us to hold off on payments. He had exhausted any and all forbearances that he had available to him. After doing some research I found that if he is permanent and totally disabled, unable to go to school or work, he can apply to have his student loans discharged and forgiven. I just found this application doing a web search this morning. http://www.ed.gov/offices/OSFAP/DCS/forms/disable.pdf There is a three-year conditional discharge applied and then it is determined for final discharge after your conditional period ends. No payments are due while on the conditional discharge period and any payments made while on the program will be refunded upon final discharge. I am upset that his SL provider was told that he was unable to work and didn't refer him to this program. I had to dig it up myself. It seems to be a highly regarded secret or something. SO.....here you go folks...use it if you qualify! I am getting this submitted to his physicians ASAP and will let you know the outcome.