You may be eligible for a Total and Permanent Disability (TPD) Discharge on your federal student loans if you are unable to engage in any substantial gainful activity because of a medically determinable physical or mental impairment that
- can be expected to result in death,
- has lasted for a continuous period of not less than 60 months, or
- can be expected to last for a continuous period of not less than 60 months.
If you are a veteran, you may be eligible for TPD Discharge if you’ve received a determination from the Department of Veteran Affairs (VA) that
- you have a service-connected disability or service-connected disabilities that are 100% disabling or
- you are totally disabled based on an Individual Unemployability determination.
You may apply for a TPD Discharge of your William D. Ford Federal Direct Loan (Direct Loan) Program loans, Federal Family Education Loan (FFEL) Program loans, Federal Perkins Loans, or Teacher Education Assistance for College and Higher Education (TEACH) Grant service obligation.
What happens if my loans are discharged?
I am a disabled veteran. How do I get my student loan discharged under Total and Permanent Disability?
How do I apply for a TPD Discharge?
Where do I find more information about TPD Discharge?
What happens if my loans are discharged?
You don’t have to repay the loans; no further payment is necessary.
I am a disabled veteran. How do I get my student loan discharged under Total and Permanent Disability?
If you think you meet one of the conditions above, you should complete and submit a TPD Discharge Application to your loan servicer. Download the TPD Discharge Application and get further information about the TPD Discharge process for veterans.
How do I apply for a TPD Discharge?
Complete the TPD Discharge application and submit it to your loan servicer.
Where do I find more information about TPD Discharge?
Visit the TPD Discharge website at www.disabilitydischarge.com.
