Total and Permanent Disability (TPD) Discharge

Total and Permanent Disability (TPD) Discharge is sponsored by U.S. Department of Education. Discharges federal student loans for borrowers who are totally and permanently disabled.

Your session will time out in: # Total and Permanent Disability (TPD) Discharge Application Apply for a TPD Discharge If you are totally and permanently disabled, you may qualify for the discharge of your federal student loans and/or Teacher Education Assistance for College and Higher Education (TEACH) Grant service obligation. View TPD Requirements and Application Process OMB No. 1845-0065•Form Approved Who Should Complete This?

Student loan borrowers and TEACH Grant recipients who meet the criteria for being totally and permanently disabled or their designated representatives. The application must be completed in a single session. Most people complete the application in 10 minutes or less.

You'll need to provide one of the following: * Qualifying U.S. Department of Veterans Affairs (VA) documentation, * Qualifying Social Security Administration (SSA) documentation, * An authorized medical professional's email address, or * An authorized medical professional's signature on the completed application. ### Is someone helping you with the TPD Discharge process?

Designate a Representative ## Frequently Asked Questions ## How do I show that I qualify for total and permanent disability (TPD) discharge? You may qualify for total and permanent disability (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) We work with VA and the SSA to identify those who qualify for a discharge based on their status with VA or the SSA. If we receive information from the appropriate agency indicating that you qualify for TPD discharge, we’ll send you a letter notifying you of your eligibility for discharge.

If you qualify for TPD discharge based on information we receive from VA or the SSA, the letter we send will also explain that, unless you tell us by a date specified in the letter that you don’t want to receive TPD discharge, ED will automatically discharge your federal student loans and/or TEACH Grant service obligation.

If you don’t receive a letter from us notifying you that you qualify for TPD discharge based on information we received from VA or the SSA, but you believe you qualify and you submit a discharge application accompanied by documentation of your VA or SSA disability determination, in some cases we may require you to submit additional documentation to support your eligibility for discharge. Learn more aboutapplying for TPD discharge.

## Can a representative apply for total and permanent disability (TPD) discharge on my behalf? You can designate an individual or organization to complete and submit a total and permanent disability (TPD) discharge application on your behalf and to assist you throughout the discharge process. To designate a representative, you and your representative must complete an _Applicant Representative Designation_ form.

We must receive and process this form before working with the representative. You must submit this form even if your representative already has a power of attorney to act on your behalf in other matters. ## What happens if my total and permanent disability (TPD) discharge application is denied?

If we determine that you don’t qualify for a total and permanent disability (TPD) discharge, the U.S. Department of Education (ED), will * notify you of the reason for the denial; * explain that you may ask for a reevaluation of your discharge application if you provide new information that supports your eligibility within 12 months of the discharge denial date; * explain that if you don’t request reevaluation of your application within 12 months of the discharge denial date, and you still want a reevaluation of eligibility, you must submit a new TPD discharge application with new information about your disabling condition that was not provided with your prior discharge application; * explain that you are again responsible for repaying your loans, and loan servicer(s) will notify you when your first payment is due; and * explain that if you applied for a discharge of aTeacher Education Assistance for College and Higher Education (TEACH) Grant service obligation, you’re again responsible for meeting the terms and conditions of that service obligation.

## Can I take out a federal student loan after receiving total and permanent disability (TPD) discharge?

If you received total and permanent disability (TPD) discharge, you are eligible for additional student loans, but with some conditions: **Regardless of whether you received total and permanent disability (TPD)****discharge based on Department of Veterans Affairs (VA) documentation, Social Security Administration (SSA) documentation, or a physician’s certification,**you must * **give your school a letter**from your physician stating that you are able to engage in substantial gainful activity; and * **sign a statement** acknowledging that you can't get TPD discharge of the new loan based on a disabling condition that already exists when you receive the new loan, unless that condition substantially deteriorates in the future.

**In addition, if you received total and permanent disability (TPD)****discharge based on SSA documentation or a physician’s certification and you get a new loan before your three-year post-discharge period has ended,**your TPD discharge will be reversed.

If your discharge is reversed, you will once again be responsible for repaying any previously discharged student loans and/or meeting the terms and conditions of any previously discharged loan. **Note:** If you endorse a Direct PLUS Loan promissory note and the loan is disbursed (paid out), you will be considered as having taken out a new loan, and your monitoring period may be extended. Learn abouttotal and permanent disability.

If you have more questions, contact us. ### Still have questions about Total and Permanent Disability (TPD) Discharge? Visit the Help Center You can also contact the Federal Student Aid Information Center (FSAIC) at 1-800-433-3243 or via live chat in your StudentAid.

gov account. ## Pause Your Payments Before Applying If you intend to apply for a TPD discharge in the future, you can temporarily stop your collections for 120 days and tell us about your intent via: U.S. Department of Education I'm your personal financial aid virtual assistant. Here are some ways that I can help.

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