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Federal Student Aid Total and Permanent Discharge (TPD) Loan Forgiveness

A total and permanent disability (TPD) relieves you from having to repay William D. Ford Federal Direct Loan (Direct Loan) Program loan, Federal Family Education Loan (FFEL) Program loan, and/or Federal Perkins Loan to complete a TEACH Grant service obligation

To qualify for a TPD discharge, you must complete and submit a TPD discharge application, along with documentation showing that you meet our requirements for being considered totally and permanently disabled, to Nelnet, the servicer that assists the U.S. Department of Education with the TPD discharge process.

 

How do I show that I qualify for a TPD discharge?


You can show that you qualify for a TPD discharge by providing documentation from one of three sources:
1.  the U.S. Department of Veterans Affairs (VA)
2.  the Social Security Administration (SSA)
2.  a physician

There are specific requirements for each type of supporting documentation that you can submit to show your eligibility.


VA Documentation


If you’re a veteran, you can qualify for a TPD discharge by providing documentation from the VA that shows you have received a VA disability determination because you (1) have a service-connected disability that is 100 percent disabling; or (2) are totally disabled based on an individual unemployability rating.


SSA Documentation

 
If you’re eligible for Social Security Disability Insurance or Supplemental Security Income, you can qualify for a TPD discharge if you provide a copy of your SSA notice of award or Benefits Planning Query showing that your next scheduled disability review will be five to seven years or more from the date of your last SSA disability determination. 

For More information please visit the Federal Student Aid website.

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Federal Student Aid Total and Permanent Discharge (TPD) Loan Forgiveness