As an attorney, my job when preparing a hardship waiver is to identify and prove the hardships the client's qualifying relatives suffers. Almost always, I identify hardships the clients themselves had not considered. That's the advantage of using an attorney for a hardship waiver.
Clients often ask if they should get a psychological evaluation done to prove their hardships. I can think of circumstances when a psychological evaluation would be useful, i.e. for a weak case. But the vast majority of my clients have enough hardships going on in their lives that a psychological evaluation is not necessary.
Psychological evaluations are not cheap. Typically they cost around about $1,000 to $3,000. My clients are usually suffering considerable financial distress, so I am reluctant to ask them to spend even more money unless I think it is absolutely necessary.
The absence of psychological evaluations for the hardship waiver applications that I prepare has had no impact on my approval rate. I've filed over 50 hardship waivers and had only two denied.
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