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Federal Student Aid Offers Total And Permanent Disability Discharge

Federal Student Aid offers the only government debt relief program we know of. If you qualify as totally and permanently disabled, you can apply to erase your student debt forever!

Here are some quick facts. As part of the US Department of Education, Federal Student Aid...

  • is staffed with 1,200 employees
  • is the largest provider of student financial aid
  • offers federal grants, loans, and work-study funds
  • gives out more than $150 billion per year
  • serves over 15 million students per year

So Federal Student Aid can help you, at least with your school debt with the Total and Permanent Disability (TPD) Discharge.

The TPD Discharge

According to Student Aid...

Some physical or mental impairments can qualify you for a total and permanent disability discharge on your federal student loans and/or TEACH Grant service obligation.
A TPD discharge relieves you from having to repay a William D. Ford Federal Direct Loan (Direct Loan) Program loan, Federal Family Education Loan (FFEL) Program loan, and/or Federal Perkins Loan (Perkins Loan) Program loan or complete a TEACH Grant service obligation on the basis of your total and permanent disability.

Of course, to access this aid, you need to apply and show that you qualify.

How To Apply

You can show that you are totally and permanently disabled in one of the following three ways:

  1. If you're a veteran, you can submit VA documentation showing that you're unemployable due to a service-connected disability.
  2. If you're receiving SSDI or SSI benefits, you can submit an SSA notice of award for SSDI or SSI benefits stating that your next scheduled disability review will be within five to seven years from the date of your most recent SSA disability determination.
  3. You can submit certification from a physician that you are totally and permanently disabled. Your physician must certify that you are not able to engage in any substantial gainful activity because of a medically determinable physical or mental impairment that
    • Can be expected to result in death,
    • Has lasted continuously for not less than 60 months, or
    • Can be expected to last continuously for not less than 60 months.

Each of the above options has specific requirements for the supporting documentation that you must submit with your TPD discharge application. You can review the supporting documentation requirements in two ways:

  1. Click here to view/download the actual TPD application form to get a quick idea of what information you need to provide.
  2. Visit the TPD Discharge website at www.disabilitydischarge.com and click on "Application Process."

No matter what benefit you apply for, it's essential for you to have your story ready and in writing. So...

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