thanks so much...how long before the hearing should I do this. Also, if i have to attend a hearing far away, do I need to fly there to get a PD ...i'm just thinking spending $$ going up there and getting denied, then flying back home and the headache associated with it. so in my case when im not making any money (but I have $5,000 debt from school) i can qualify right...i guess i cant get a pd over the phone and then fly a day or two prior to my hearing to meet with him...would this be a possibility.