Thank you for all this detailed information. I filed loan forgiveness paperwork for my son last month due to him coming down with schizoaffective disorder. Still waiting to see what Nelnet decides. The psychiatrist filled out the paperwork and said that the condition, which is permanent, will last for more than 60 months. He has 2 loans, totally 11K. I always discouraged him taking out loans and I subsidized his education a lot.