Taking out loans are a bad idea IMO, in this scenario. They can only be discharged due to disability if you took them out prior to becoming disabled. And, yes, an ALJ will factor your ability to attend college. I was only able to manage taking 1 class, and it was a factor in my denial at the time.

If you thought you could work after completing your degree, than it would be an excellent idea.

You can attempt to expedite your SSDI application if you're stalled in the process or, you can work on providing SS with all the required documentation needed to prove you're disabled. You can try to access other benefits like emergency housing and food stamps as well. Please review the stickies in this forum for additional help.

Best wishes.