Are student loans forgiven after so many years? I never completed or received a degree because I was misled by the school. My husband has been disabled for 10 years. Also, 2 of my 3 children are disabled. I havent been able to work because i have to take care of them. I lost my job last year. I contacted the collection agency to get out of default. They said my only option was to make 6 months of pymts. I cant afford 5 per month right now because the only income we have is 600 per month from my husbands SSI. So they took my income tax refund. I am devestated. I dont understand how they can do this on loans that old. They took 5500 from me 6 years ago. Now they took 6400. Any advice?