I was wondering, I went back to school 8 years ago and graduated with an Associate degree. At 54, I am unable to keep up with my school loans of $18,000. If a person is on disability, do they still need to pay that back? I am only working about 15 - 20 hours a week right now and have begun filing awhile back. I cannot do a full week. What happens to someone that cannot pay this back at my age?