Total and Permanent Disability (TPD) discharge is a program that provides relief to disabled students by completely removing their student loan debts. The individual applying for the TPD discharge must provide documental proof to the US Department of Education that they are permanently and totally disabled and unable to work.
How does it Work?
Total and Permanent Disability discharge relieves disabled students from paying several of their student loans on the basis of permanent and complete disability. The applicant is required to get a certification from a physician to prove that they are completely disabled and unable to work and earn money.
The TPD discharge program forgives all the Federal Family Education (FFEL) loans, William D. Ford Federal Direct Loans, and Federal Perkins Loans. In addition to this, the program ends the applicant’s obligation to complete a Teacher Education Assistance for College and Higher Education (TEACH) Grant service.
Do You Qualify for TPD Discharge Program?
The only eligibility requirement to qualify for Total and Permanent Disability discharge is complete and permanent disability. Individuals seeking student loan forgiveness can prove their disability to the Department of Education (DoE) in two ways:
- Get a disability certification from a licensed physician who must certify you to be unable to engage in any kind of work due to any physical or mental disability that:
- Can be expected to result in fatality,
- Has lasted for a period of not less than 60 consecutive months or
- Is expected to last for a period of not less than 60 consecutive months
- If you are already receiving benefits under the Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) program, you can prove your disability by producing an SSA award notice stating that your next disability examination will be after five to seven years from your most recent SSA disability assessment.
How to Apply for TPD Discharge Program?
The TPD discharge application is available online. Once you begin the application process, you will automatically enter a forbearance period of 120 days during which interest will not accrue on the remaining balance of your loans. You will be given 120 days to complete your application, after which your loans will automatically reenter the payment mode and interest will be capitalized.
If you are receiving SSA benefits, you will be required to provide a copy of your SSA award notice. Alternatively, you may get a disability certification from your doctor. The application form includes a section that must be filled by the certifying doctor.
How Fast Track Preparation Can Help You?
One of the challenges faced by the disable individuals is financial hardships and instability. The Department of Education (DoE) has designed the Total and Permanent Disability (TPD) discharge program to help individuals who are unable to work because of an injury or illness. With the discharge program, disabled individuals can get rid of their federal student loan debts.
Fast Track Preparation makes hope and dignity available to disabled individuals facing financial difficulties. We provide help to students who are looking for student loan forgiveness and discharge programs. Our expert team offers you legal advice and helps you better understand the legal issues and considerations involved in the loan discharge process.
If you have any questions about the Total and Permanent Disability (TPD) discharge program or if you want assistance in applying for loan discharge, contact us by filling our online contact form or call our customer services team at 888-369-0973 .