About Total and Permanent Disability Loan Discharge
- Total and permanent disability means you are unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that has lasted (or will last) continuously for at least 60 months or could result in death.
- If you are a veteran, you may qualify for this discharge if you are unemployable due to a service-connected condition.
- A final discharge due to total and permanent disability cancels your obligation (and, if applicable, any endorser's obligation) to repay the balance of your federal student loans.
- If your condition existed at the time your loan originated, the condition must have substantially worsened so that you are now totally and permanently disabled.
How to apply
Download and print the application.
If you are not a veteran: Obtain certification of your disability from a medical doctor (MD) or doctor of osteopathy (DO) licensed to practice in the United States. You and your doctor must fill out the application completely and accurately.
If you are a veteran: Supply documentation from the U.S. Department of Veterans Affairs showing that you have been determined to be unemployable due to a service-connected condition.
Mail or fax the application and any supporting documentation to: