<prompt> Human: Recent terminal cancer diagnosis, glioblastoma start radiation tomorrow . 6mths - 2yrs best guesses.I have about 50k left on several plus loan for my son who graduated two years ago and Is also aggressive trying to pay his govt loan of himself.Im plan to file w SS and go on disability an well as cash out my pension and 401ks. Any way to avoid the normal 20?How should I handle the plus loans? Would they revert to my son or be forgiven upon death.? I have a mind to just paying, not caring about my credit score.Any other info pertinent to my situation is well one  <response>: First off: I am sorry you have received this diagnosis. I am an oncology nurse and yet it still breaks my heart every time I am reminded how cancer fucks with peoples finances.Everyone already has great advice. However, I would say to also get in touch with your cancer centers social work team. They will help you file the necessary forms in terms of disability, payment deferrals, any schoolwork notes your family needs to obtain leave, etc. Theyve unfortunately had to do this thousands of times and can help you out for free. 