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ERIC Number: ED537085
Record Type: Non-Journal
Publication Date: 2003-Mar
Pages: 12
Abstractor: ERIC
Reference Count: 0
Effect of Defaulted Student Loans on Return to Work Efforts. Policy & Practice Brief #7
Cebula, Ray; Hager, Ronald M.
Employment and Disability Institute
Many individuals with disabilities may have attempted college either before or after they became disabled. If prior college attempts were unsuccessful, the student may have defaulted on student loans. When the loans are secured by the federal government, the individual will not be eligible for further financial assistance, including all federal grants and loans, for college until the prior loans are no longer in default. For individuals with disabilities who are attempting to go to work, the dual impact of not being eligible for additional federal aid to obtain higher education and the potential drain on income to repay the defaulted loans can be devastating. It is, therefore, very important for both Benefits Planning, Assistance and Outreach (BPA&O) counselors and Protection and Advocacy for Beneficiaries of Social Security (PABSS) advocates to be aware of the effects of defaulted student loans, the increased federal efforts to collect on those loans, and some of the remedies that are available to debtors. This article will explore each of these issues in some detail. There is also an extremely well written and well-documented resource available from the National Consumer Law Center for those who may be interested in a more in-depth treatment of this subject. (Contains 65 footnotes.)
Employment and Disability Institute. ILR School Cornell University 201 Dolgen Hall, Ithaca, NY 14853. Tel: 607-255-7727; Fax: 607-255-2763; e-mail:; Web site:
Publication Type: Reports - Evaluative
Education Level: Higher Education; Postsecondary Education
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: Cornell University, Employment and Disability Institute