Can anyone help me with a question about Disability and student loan forgiveness?

[LeftofObama]

I have been getting disability since 4/2011 and they have been taking 15% of my check for my student loans. I was looking for a site that would help me apply for student loan forgiveness and I found this one:

https://www.disabilitydischarge.com/Application-Process/

For some reason I was under the impression that I had to be on disability for 5 years to qualify for student loan forgiveness, but this website doesn't say anything about that.

I called the number listed on this site and they are sending me the forms to fill out. They also say that I will receive a form 1099C and I will have to claim the forgiven amount as income.

I found another site that says I can claim insolvency so that I don't have to pay taxes on the forgiven amount. That site is here:

http://blog.credit.com/2012/04/cancelled-student-loan-debt-creates-tax-nightmare-55658/

So my questions are:

1. Do I have to wait 5 years to apply for student loan forgiveness?

2. Can I claim insolvency so that I don't have to pay taxes on the forgiven amount?

3. Does anyone know of a credible website where I can get more information?

This is getting to be very confusing and it's driving me crazy.

Thanks in advance for your help.