How to Obtain Student Debt Forgiveness Due to Disability -

As some of Philadelphia, PA’s most accomplished Social Security lawyers, Silver & Silver understands a thing or two about getting clients what they lawfully deserve. Did you know that Americans with permanent disabilities could be eligible for total student loan forgiveness? In this article, we briefly explain the process of applying for disability-related student loan forgiveness.

The United States Department of Education has a program called Total and Permanent Disability (TPD) discharge, which allows disabled individuals who are unable to pay off their student loans to apply for total debt forgiveness. Are you disabled and drowning in student debt? Continue reading to learn more about TPD eligibility and how to apply for forgiveness. 

TPD Discharge

A TPD discharge forgives any debt that has resulted from the following student loan programs: 

  • William D. Ford Federal Direct Loan
  • Federal Family Education Loan
  • Federal Perkins Loan

You can also discharge TEACH Grant service obligations under this program, but you must provide evidence of your total and permanent disability in order to qualify for TPD discharge. 

How You Can Prove that You Are Totally & Permanently Disabled

In order to qualify for a TPD discharge, you must provide the Department of Education with documents that prove you are disabled and unable to pay off student debt or complete your TEACH Grant service obligations. Check out the brief video below, in which we reveal the three acceptable ways to prove that you are totally and permanently disabled. 

As you can see, the Federal Government must have existing records of your total and permanent disability, or you must get a physician to sign off and certify your disability claim. Otherwise, you are unlikely to have your student loans or TEACH Grant service obligations forgiven under the TPD discharge program.