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Tell me more about Total and Permanent Disability Discharge FAQ

This page answers questions about what loan discharge is, who determines whether you are disabled, and other common questions related to Total and Permanent Disability Discharge.

The questions are listed first. For the answer to a question, click on that question.

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What does discharged mean?

Discharged means that you don’t have to repay the loans; no further payment is necessary.

How do I get my student loan discharged under Total and Permanent disability?

Fill out the Total and Permanent Disability Discharge form. A physician licensed in the United States must certify your total and permanent disability by providing information on the form and signing it. Send the form to your lender for approval; then the Department of Education reviews your information and determines final eligibility.

Are there forms to fill out?

Yes, you must submit a form called: Loan Discharge Application: Total and Permanent Disability (TPD application). You must complete sections 1 and 2. Your medical doctor or doctor of osteopathy must certify that you have a disabling condition that; a) is expected to last indefinitely or result in death AND, b) prevents you working and earning money in any capacity. The form must be certified by a physician or doctor of osteopathy who is licensed to practice in one of the 50 United States or the District of Columbia.

Who do I contact to file my disability status?

You must submit a TPD application to each loan holder.

Who determines whether or not I’m disabled?

Your doctor certifies whether you have a disabling condition that is expected to last indefinitely or result in death, and prevents you from working. Following this certification, the Department of Education’s (ED) Conditional Disability Discharge Unit determines eligibility for discharge of the loan balance. Their decision is final.

I have a partial disability that affects my employment. Is my loan dischargeable?

No. Loans are discharged when an individual is totally and permanently disabled, unable to work and earn money in any capacity and approved by Department of Education (based on eligibility criteria for discharge of Federal student loans).

If I am approved as eligible for TPD discharge, when is my loan eligible for discharge?

It depends on the date your application was received by your lender. If your application was received by your lender before July 1, 2008, your loan is eligible for discharge 3 years after the date of disability. If your application was received by your lender after July 1, 2008, your loan is eligible for discharge 3 years after the date that your physician sign your application.

How long will the process take?

Determining conditional eligiblity cann take up to one year.  Final discharge may be granted three years after the date of disability.

Can I appeal a determination?

No. Current regulations do not provide for appeals of determinations made by the Department of Education. However, you can reapply with your loan holder or guaranty agency if you believe that your situation has changed.

I receive Social Security (or VA) disability benefits now. Does that mean I am eligible for disability discharge of my loan balance?

No. Eligibility for Social Security or VA disability benefits does not mean you are automatically eligible for TPD discharge.

Last updated/reviewed July 3, 2008

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