Total And Permanent Disability
To Be Eligible …
A physician must certify that the borrower is unable to engage in substantial gainful activity due to a physical or mental impairment. This impairment must be expected to result in death or last for a continuous period of at least 60 months, or it must have already lasted for a continuous period of at least 60 months.
Any remaining balance on your federal student loans will be discharged from the date that your physician certifies your application.
The Secretary of Veteran Affairs (VA) can also certify the borrower to be unemployable due to a service-connected disability.
If the VA certified your application, any federal student loan amounts owed after the date of the service-related injury will be discharged, and any payments you made after your injury would be refunded to you.
Borrowers may also be eligible for discharge if they have been certified as disabled by the Social Security Administration (SSA) where the notice of award for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits indicates that the borrower’s next scheduled disability review will be within 5 to 7 years.
If you were approved due to the SSA determination, any remaining balance on your federal student loans would be discharged as of the date the SSA determination is received by the Department of Education.
You must return any loan or TEACH Grant disbursements made after the TPD disability approval within 120 days.
Loans That Qualify
- Stafford loans
- Grad PLUS loans
- Parent PLUS loans
- Consolidation loans
- Perkins loans
To apply for this discharge, complete this form and contact your loan holder.