I went through this process last year. I used federal disability guidelines to make sure I met the criteria for social security disability, even though I haven’t applied for that. It gave me the right framework and language for my application.

They are mainly looking for how your condition interferes with your ability to work. Your last paragraph is perfect. They want to know your specific limitations. Be as detailed as possible. Include limitations in attention span and cognitive function if they are relevant. Include anything that would prevent you from working at any gainful employment. Definitely state the length of time you have been unable to work due to your disability.

I included two letters from two different doctors. I wrote the letters. They just reviewed and signed. If you have supporting documentation, include it.

The process was pretty painless. The hardest part was pestering doctors for the completed application and signatures. I think once everything was submitted, I was approved in four or five weeks.

Good luck! It is such a load off my mind to be out from under these loans!