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What I find unfortunate is that neither of the attorneys that answered my question was able to tell me about the new Excessive Debt Title 4 exemption. This is a forbearance good for 60 mos, but one must contact the loan company every year to make sure that your status is unchanged. If you make less than $25,000/yr (which is the taxable income), do not have to pay income taxes, and are on permanent social security disability, you automatically qualify for this forbearance. Sallie Mae won't tell you this. You have to do the research yourself, but if you mention this to them, they will understand what you are talking about. The government just came out with this new type of forbearance this year and it may help someone who is living on the edge like me.