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Everything you need to know about Total Disability Student Loan Forgiveness

total disability discharge

Are you constantly disabled? Do you have outstanding student loans? If so, you may be eligible for Total Disability Student Loan Forgiveness. Fortunately, Total and Permanent Disability discharge (TPD) program by The U.S. Department of Education covers the borrowers who are disabled. When you qualify disability discharge, it will result in the complete application. Total Disability Student Loan Forgiveness. How to apply for TDP Discharge can seem a bit difficult. You know you spent the money, but now you cannot find how to return it.

It’s not your fault that you became disabled. If you live in a social security system in a welfare state, you certainly cannot afford to pay for a student loan, as there is increasing interest. Even if you received employee compensation, it might take years to pay for your student loan.

What is Total and Permanent Disability Discharge?

Total Disability Student Loan Forgiveness

This service obligation and student forgiveness are offered by the U.S. Federal Government and applicable only to federal student loans and TEACH Grant service obligations. If you qualify for TDP Discharge, you don’t need to repay your loans or complete your TEACH Grant service obligation.

How to apply for a federal student loan forgiveness

What can you do to relieve the stress of these phone calls and reduce your debt? You can find a single application by visiting the website of the Federal Student Service or the US Department of Education and run your application online.

Fill out the initial application online, and then print out a partially completed application. Next step is to attach supporting documentation and sign it with your doctor before mailing it. The Department of Education will then arrange all of your loan initiators and holders, such as Sally Mae or the Great Lakes, and will coordinate the process. This will include stopping loan payments for 120 days during the entire application process.

Total Disability Student Loan Forgiveness exempts you from having to repay:

  1. William D. Ford Federal Direct Loan
  2. Federal Family Education Loan Program
  3. Federal Perkins Loan Program

Complete all sections and submit your application

Total Disability Student Loan Forgiveness

  1.  The doctor must sign your loan application. Be sure that the doctor says that it is such a disconnection condition and states that the person is disabled, without any detailed explanation, and you will be denied only in a relatively short time. Then you will have to start the process again.
  1.  Ask your primary care physician or specialist to save this form in your file, as Federal Student Aid can contact them for more information if necessary. Applicants have 90 days from the date the doctor signs and to file the form to the US Department of Education.

As soon as the US Department of Education receives the form, it will be sent to the department that processes TPD requests. They review Total Disability Student Loan Forgiveness requests and, if necessary, they will request additional information from your doctor, and in some cases from the Social Security Administration. After your TPD office receives your application, you will receive an email stating that your request is being processed. You will receive a notification whether your application has been approved within two to three months. Your credit will be in a deferment status during this time.

Three ways how to prove you’re Totally and Permanently Disabled:

  1. To be a veteran makes you eligible for a TPD discharge. By providing documentation from the VA which will prove your service-connected disability (or disabilities) and inability to work.
  2. If you have Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), you may apply for the TPD discharge. Also, you are eligible if the next disability review will be within five to seven years of your most recent one. Don’t forget to submit paperwork proofing your SSA and  SSDI, SSI benefits, or a Benefits Planning Query indicating the date of your next review.
  3. If you submit a certification from a doctor (an M.D. or D.O.) stating totally and permanently you are disabled. Your physician must confirm that you cannot work because of a physical or mental disorder that can lead to death, last for at least 60 months or can last continuously for at least 60 months.

Total Disability Student Loan Forgiveness tips

Total Disability Student Loan Forgiveness

Unfortunately, as with all student loans, this procedure is fraught with delays and frustration. For this reason, anyone who is trying to get Total Disability Student Loan Forgiveness should do the following:

  1. Remember to keep a copy of everything asks the doctor to sign. If your doctor faxed a copy to a loan service center or the US Department of Education, you must also send it by mail. Faxes tend to disappear mysteriously or never reach their destination.
  2. Follow all deadlines set by loan service centers or the US Department of Education to avoid delays and direct failures.
  3. If at first, you don’t succeed, try, try again! If you are refused for the first time, submit a second application. You may need more than one attempt to approve your application.
  4. If you are stuck waiting for reuse, do not forget that there are other options for delaying, including economic difficulties.

Monitoring period

This Total Disability Student Loan Forgiveness is only for those who are completely and forever disabled. Due to the number of people who received forgiveness, but soon got paid work, there is now a three-year monitoring period if the Department of Veterans Affairs does not certify your disability. During these three years, you will need to respond promptly to any requests for information and proof that you are still eligible for TDP forgiveness. Your loans will be back if you can earn income above a certain level, if you get additional student loans or if SSA notifies you that you are no longer fully and permanently disabled.


Total Disability Student Loan Forgiveness

All applications are considered individually. That’s why it is so important to include as much information in your application as possible so that to understand your case. While for some it can be a complicated and protracted process, as a result, it will help to ease your situation.

Other Alternatives

For Total Disability Student Loan Forgiveness, when you are unable Income-Driven Repayment  (IDR) program is another option to qualify TPD which The U.S. Department of Education offers. These programs are helpful for those who are struggling to make monthly payments on their federal student loans.  Income-Based Repayment (IBR), Revised Pay As You Earn (REPAYE), Pay As You Earn (PAYE), or Income-Contingent Repayment (ICR) programs will take care of your loans too.

Each program, I mentioned the names above have different qualification requirements that should be met attentively.  They are based on your monthly payment on what you currently earn at the discretion of income, not on what you owe. Each income-driven repayment option has different eligibility requirements, but the purpose of each is to make the payment on what you currently earn at the discretion of income, not on what you owe. Compared to your income, your loan bills are high, IDR plan is a good alternative than Total Disability Student Loan Forgiveness.