0% means 0%. it's not a discussion. and, i decided quite some time ago that chasing collectors around wasn't worth my time.

the interest on my loan exceeds my disability payments. 

i talked to them last in early 2016. i have no intention of contacting them again until 2021. and, when i do, it will be to discuss options for default.

there is simply not another way forwards.

there is no punitive measure that they can take that is meaningful. and there are no steps that i can take for repayment.

the correct lesson is that they should carry out greater due diligence; i should have never been given the loan, because i should have never been expected to be able to repay it.

that's correct: i am claiming that the responsibility for the default lies with the state.

and, i have better things to do than worry about it.

even if they were to take away my disability altogether, it wouldn't help because i would become ineligible for disability when i get evicted. and, then you've got another mentally ill homeless person and are no closer to recouping the loan. it would be pretty stupid.

i've filled out the forms, and while they understand that i am permanently disabled, and agree that i will never pay the loan, they claim that it cannot be forgiven because i am not *severely* permanently disabled. i can only respond by pointing out that this is severely stupid, and go do something else with my time.

i'm not joking. they agree that i will never pay back the loan, because i'm permanently disabled. explicitly. i have this in writing. but, despite agreeing that the loan will never be repaid, they won't forgive it because i'm not "severely" disabled. it is the most amazingly idiotic thing you could imagine.

or, maybe they're right: maybe i'll be able to pay them back in five years after all. they'll find out in five years. until then, i can't be bothered.