Total And Permanent Disability Student Loan Forgiveness

The Total and Permanent Disability Student Loan Forgiveness program offers federal loan forgiveness for those with permanent physical or mental disabilities.

Am I eligible?

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.

How much is the 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.

Which loans qualify?

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

How do I apply?

To apply for this discharge, complete the online Total and Permanent Disability Student Loan Forgiveness application form here.


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