Total And Permanent Disability Student Loan Forgiveness

January 30, 2020by Riley Hendrickson0

Through the Total And Permanent Disability Student Loan Forgiveness, qualified applicants may be eligible to qualify for federal loan forgiveness for those with permanent physical or mental disabilities. Read on to see eligibility requirements, award amounts, and the application process for the Total And Permanent Disability Student Loan Forgiveness.


In order to be eligible for the Total And Permanent Disability Student Loan Forgiveness, you will need to meet all of the following criteria:
  • Option 1: If a physician certifies that you’re unable to engage in substantial gainful activity due to a physical or mental impairment, you may meet the qualifications. The impairment must be significant and expected to last or have already lasted, for a continuous period of 60 months.

    Option 2: The Secretary of Veteran Affairs (VA) can certify that you’re unemployable due to a service-connected disability.

    Option 3: You may qualify if you’re receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits. The Social Security Administration must have determined you to have a permanent disability. If applying, you must provide documentation that your next scheduled disability review will take place within five to seven years

For a full program breakdown and program restrictions, head over to the official website here.

How much can I expect to be awarded? 

Through the Total And Permanent Disability Student Loan Forgiveness, any remaining balance on your federal student loans will be discharged. If you continued to make payments after the date your disability made you unemployable, then the loan holders will return those payments.

What loans qualify for this program?

  • Stafford loans
  • Grad PLUS loans
  • Parent PLUS loans
  • Consolidation loans
  • Perkins loans

How do I apply for this repayment program? 

You can apply for the Total And Permanent Disability Student Loan Forgiveness at any point in time.

Your representative can complete and submit your TPD discharge application on your behalf, and assist you throughout the discharge process. However, you and your representative must complete an Applicant Representative Designation form. We must receive and process this form before we can work with your representative. You must submit this form even if you have a power of attorney for your representative.

To download and/or print the Applicant Representative Designation form, click here

Head over to the program website here for a full breakdown of this year’s requirements and application guidelines.


If you still have questions or would like to know more information please reach out to us here or you can go back to the Student Loan Repayment Assistance Programs page.




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