I Couldn’t Work Again – Then My Loans Vanished
The Shocking Truth Behind TPD Discharge

When Disability Hits, Student Loans Shouldn’t Haunt You

Imagine being told you’ll never work again… and still owing tens of thousands in Federal Student Loans. That’s the harsh reality for thousands of Disabled Borrowers — until they learn about Total and Permanent Disability (TPD) Discharge.

If you or someone you love is facing serious health challenges, this program could Legally Erase All Federal Student Loan Debt.

But here’s the twist: most people who qualify never apply.

What Is TPD Discharge?

The Total and Permanent Disability Discharge program cancels 100% of Eligible Federal Student Loans for borrowers who:

• Can’t engage in substantial gainful activity due to physical or mental impairment
• Are certified by a doctor, the Social Security Administration (SSA), or the VA as totally disabled

Eligible loans include:

• Direct Loans (DL)
• Federal Family Education Loans (FFEL)
• Perkins Loans
• TEACH Grants (converted to loans)

Who Qualifies for TPD?

To qualify, you must provide proof of total and permanent disability from one of these sources:

• A Doctor’s Certification
  • A licensed M.D. or D.O. certifies that your condition:
    • has lasted or is expected to last at least 60 months, or
    • is terminal
• The SSA (Social Security Administration)
  • You receive SSDI or SSI benefits, and
  • Your notice shows a review period of 5–7 years
• The VA (Veterans Affairs)
  • You’re 100% disabled due to service-connected injuries, or
  • You are unemployable due to service-connected disabilities

If you’re too disabled to work, you may not have to pay a single cent more on your federal loans

Benefits: Why You Should Act Now

• 100% Loan Forgiveness — No more payments or collections
• Stop Garnishments — Ends wage or tax refund seizures
• No Tax Bill (For Now) — Loans discharged through 2025 are federally tax-free
• No Monthly Payments Required
• Fast Turnaround — Decisions in weeks (sometimes automatic via SSA match)

But Here’s the Catch…

Most borrowers don’t realize they qualify. And if your contact info is outdated, you might miss automatic eligibility notices.

Plus, a three-year “post-discharge monitoring period” applies if approved via a doctor’s note — and failing to report income can reinstate loans.

Let a specialist help you avoid mistakes and delays. One error can restart your nightmare

Real Story: From Disability to Debt-Free

After a motorcycle accident left Marcus unable to work, he struggled with $62,000 in federal student loans. He received SSDI — but no one told him that meant he qualified for TPD.

After applying with help, his entire balance was gone within two months. Today, Marcus calls it 
“The Biggest Relief of My Life.”

Don’t Miss Out — Check Your Eligibility Now

Whether you're a disabled veteran, on SSDI, or doctor-certified, your loans could be legally canceled.

Click the banner to check your eligibility for FREE in under 2 minutes

Frequently Asked Questions

What is Total and Permanent Disability (TPD) discharge?

Total and Permanent Disability (TPD) discharge is a federal program that cancels your federal student loans if you have a disability that prevents you from working. If a physician certifies you are totally and permanently disabled, you can apply for loan forgiveness. This includes Direct Loans and Perkins Loans. Our legal team will help determine if your condition qualifies for TPD discharge. Contact us to see if you meet the criteria for disability discharge.

Who qualifies for TPD discharge?

You qualify for TPD discharge if the Social Security Administration or Department of Veterans Affairs has determined you are totally disabled. For example, an SSA disability award or a VA disability rating of 100% may qualify you. Alternatively, a doctor’s statement on the official form can also establish total and permanent disability. Our attorneys will review your medical documentation to ensure you meet the requirements. Schedule a free consultation to review your eligibility for a disability discharge.

How do I apply for TPD discharge?

To apply, you submit a TPD discharge application through Federal Student Aid. The U.S. Department of Education may then request documentation such as your SSA disability award letter or VA disability rating. We will help you complete the application and submit the necessary paperwork. Contact us for help with every step of the TPD discharge application process.

What documentation is required for a TPD discharge?

You will need official documentation of your disability. This can include an SSA disability award letter, a VA disability rating letter, or a doctor’s certification on the required form. These documents must prove you are totally and permanently disabled. Our team will help gather and verify all necessary medical records and forms. Contact us to make sure your medical documentation meets the requirements for discharge.

What happens to co-signed loans if I get a disability discharge?

If your loan is co-signed (such as a Parent PLUS loan), the co-signer is also released from obligation once the loan is discharged. After your loans are cancelled, the co-signer will not have to make payments. There is usually a three-year monitoring period to confirm you remain disabled, but your co-signer will no longer be liable. Call us to discuss how disability discharge affects co-signed loans.

What if I recover from my disability after discharge?

If you recover and become able to work during the three-year monitoring period, your loans could be reinstated. However, because total and permanent disability means your condition is expected to be long-term, recovery is very rare. We will explain the monitoring period and what happens if your situation changes. Reach out for guidance and support throughout the disability discharge process. Federal Loan Consolidation.