TPD Discharge Help: Legal Touch Files Your Disability Loan Discharge

If a physical or mental condition keeps you from working, your federal student loans may be eligible for cancellation through Total and Permanent Disability (TPD) discharge. The paperwork, doctor forms, and follow-up can be a lot when you're already dealing with your health. Legal Touch lays out your options and does all the work for you.

What Is TPD Discharge?

TPD discharge can cancel your federal student loans, including Direct, FFEL, and Perkins loans, if you have a qualifying disability. For more background, read our TPD discharge guide.

Three Ways to Qualify

• Veterans Affairs (VA): a VA finding of a service-connected disability rated 100% or of individual unemployability
• Social Security (SSA): an SSDI or SSI determination with a qualifying review schedule or onset date
• Medical professional: a doctor, nurse practitioner, physician assistant, or licensed psychologist certifies your condition

Common Problems We Fix

• Doctor forms filled out wrong or missing details
• Loans sent to collections while an application is pending
• Not knowing which proof route is fastest for your situation
• Missed follow-up requests from the Department of Education

What Legal Touch Does for You ($495 Flat Fee)

1. We review your loans and your disability documents.
2. We pick the strongest proof route: VA, SSA, or medical.
3. We prepare the application and coordinate the medical certification with your provider.
4. We submit everything and request that collection on your loans be paused while it's reviewed.
5. We answer follow-up requests and track the case until a decision.
6. We explain the result and any next steps.

If you have other relief options, like Borrower Defense or Closed School Discharge, we look at those too.

Free Options You Should Know About

Many veterans and SSA recipients are identified automatically by the Department of Education. You can also apply free at disabilitydischarge.ed.gov. Legal Touch is for people who want an experienced team to handle it.

Frequently Asked Questions

What is a Total and Permanent Disability discharge?

It's a federal program that can cancel federal student loans for borrowers with a qualifying disability that keeps them from working.

What proof is needed for a TPD discharge?

One of three: a VA determination, a Social Security disability determination, or a certification from a qualified medical professional. We gather and submit it.

Can I apply for TPD discharge for free?

Yes. The application at disabilitydischarge.ed.gov is free. Legal Touch is a paid option for people who want it handled for them.

Is TPD discharge guaranteed?

No. The U.S. Department of Education decides every application. Legal Touch is not a law firm and makes no guarantees.

Start Your Free TPD Review

Check My Eligibility or call 800-261-2946.

Questions first? Contact our team.

Legal Touch is not a law firm and does not give legal advice. Results are not guaranteed. Every decision is made by the U.S. Department of Education or your loan holder. Free help is available at studentaid.gov.