Get Discharge Application:total And Permanent Disability

If the Department approves your discharge request, we will notify you and the holders of your loans and/or TEACH Grant service obligation of the approval. We will also instruct the loan holders to return any loan payments received on or after your disability date to the person who made the payments.

If you think you might qualify and want to apply for a total and permanent disability (TPD) discharge, you must provide the information the U.S. Department of Education (called “the Department” throughout this site) needs to make a determination by completing a TPD discharge application and gathering supporting ...

How long does the total and permanent disability (TPD) discharge application process take? It typically takes less than 30 days to review the TPD discharge application. If your discharge application is incomplete or if a physician's response is held up, it can cause delays in the review process.

How long does the TPD discharge application process take? Our review of your TPD discharge application typically takes less than 30 days to complete. However, incomplete discharge applications and, if applicable, the response time of a licensed medical professional can delay our review process.

Student loan disability discharge and your credit report The simple act of the debt being forgiven could also change your credit score. After all, your credit mix and amounts owed — two of five credit scoring categories — will be affected by the discharge.

If you are totally and permanently disabled, you may qualify for a total and permanent disability (TPD) discharge of your federal student loans or TEACH Grant service obligation. If you receive a TPD discharge, you will no longer be required to repay your loans or complete your TEACH Grant service obligation.

As of May 2023, around 492,000 borrowers have gotten loan forgiveness through TPD discharge. And there are multiple ways to qualify! To get TPD discharge, you must show that you have a disability that severely limits your ability to work, now and in the future. This can be a physical or a mental disability.