<prompt> Human: Hello everyone, prior to December 2014 I was getting a job from Fed-Ex that paid 18hr and I finally felt relieved because I was going to have money to pay off debt. Unfortunately, things went to a horrible down hill when I found out I had a tumor in my spine that left me paralyzed from the waist down suddenly. Despite the very depressing, not wanting to live and life changing event I have things I need to pay off which would put more stress on me even more. I have a 3k Wells Fargo bank loan, 1.2k credit card loan also from Wells Fargo, and a 3k private school loan. These debts are getting a hold of me and I dont know what to do anymore. I cant work, my SSI is still in process, and most importantly I cant walk and my life isnt the same anymore... Please help a fellow out reddit.Assistant: Student loans can be discharged in the event of disability. See here for more info. I dont know if it applies to private loans or not, but its worth looking into. A relative had hers discharged this way. Human: Thanks a lot. Hopefully they will discharge my private school loan  <response>: You can get your federal loans discharged if the Social Security Administration declared you disabled AND schedules your next review for 5 or 7 years post disability determination. This seldom happens. The vast majority of reviews are scheduled for 3 years post disability determination.Private student loans can be discharged in bankruptcy, at the discretion of the judge. But it is a rare event. 