Certain veterans with service-connected disabilities that result in the veteran being Total &
Permanent Disabled may be entitled to a complete discharge of all student loans.
A total and permanent disability (TPD) discharge relieves you from having to repay a William D. Ford Federal Direct
Loan (Direct Loan) Program loan, Federal Family Education Loan (FFEL) Program loan, and/or Federal Perkins Loan (Perkins Loan)
Program loan or complete a TEACH Grant service obligation on the basis of your total and permanent disability. Before your
federal student loans or TEACH Grant service obligation can be discharged, you must provide information to the U.S. Department
of Education (ED) to show that you are totally and permanently disabled. ED will evaluate the information and determine if
you qualify for a TPD discharge.
A TPD discharge relieves you from having to repay a William D. Ford Federal Direct
Loan (Direct Loan) Program loan, Federal Family Education Loan (FFEL) Program loan, and/or Federal Perkins
Loan (Perkins Loan) Program loan or complete a TEACH Grant service obligation on
the basis of your total and permanent disability. Before your federal student loans or TEACH Grant service obligation can
be discharged, you must provide information to the U.S. Department of Education (ED) to show that you are totally and permanently
disabled. ED will evaluate the information and determine if you qualify for a TPD discharge.
You
can show the Department of Education that you are totally and permanently disabled in one of the following three ways:
If you are a veteran, you
can submit documentation from the U.S. Department of Veterans Affairs (VA) showing that the VA has determined that you are
unemployable due to a service-connected disability.
If you are receiving Social Security Disability Insurance (SSDI) or
Supplemental Security Income (SSI) benefits, you can submit a Social Security Administration (SSA) notice of award for SSDI
or SSI benefits stating that your next scheduled disability review will be within five to seven years from the date of your
most recent SSA disability determination.
You can submit certification from a physician that you are totally and permanently disabled.
Your physician must certify that you are unable to engage in any substantial gainful activity by reason of a medically determinable
physical or mental impairment that
Can be expected to result in death,
Has lasted for a continuous period of not less than 60 months, or
Can be expected to last
for a continuous period of not less than 60 months.
Download The Veterans Bee for more IU clarification.