Courts Order Impoverished, Disabled Woman To Pay Back Student Loans

Written by Victoria Kezra

Student loans are some of the most difficult loans to deal with, as one Maryland woman now knows very well.

Even if you can’t afford to eat, the government still expects a student loan payment on time.

According to court documents, a Maryland woman who makes $10,000 per year, all in disability benefits and public assistance, won’t be allowed to dissolve $37,431 in student loan debt when she files for bankruptcy. The reason given is because she “had not proved undue hardship” and “had not made a good faith effort to repay the loans.”

Monica Stitt, 45, went to Howard University, dropped out and then worked in part time jobs until 2008 when she earned a paralegal certificate. Since that time in 2008, she has not found a new job. The entirety of her personal property was valued at $210.

Student loan debt is one of the hardest types of debt to try and shake. Unlike many other types of debt such as credit card debt, student loan debt can’t be absolved automatically by filing for bankruptcy.

The court refused to cancel the debt because even though it acknowledged that by paying back even the most minimal amount possible, just paying back the interest on the loan, she would not be able to “maintain a minimal standard of living.” When Stitt tried to persuade the court by telling them the reason she couldn’t repay the debt and hadn’t been able to in the past because her disability made it difficult to find and hold down work, the response was that “Her argument is unpersuasive. Stitt’s disability status does not affect her eligibility for income-sensitive repayment loans or loan consolidation.”

The case was summed up by saying that if she makes loan payments, they will be canceled after 25 years, 50 years after she took out her first loan.

Originally published at

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