If you're permanently disabled, you may qualify to have 100% of your federal student loans discharged. We help disabled borrowers navigate this complex process successfully.
There are three ways to qualify for Total and Permanent Disability discharge. You only need to meet ONE of these requirements.
Most Common Path
Individual unemployability rating OR 100% disability rating
Must be rated as permanent with no scheduled re-examinations
VA award letter or benefits summary letter required
99% - Fastest and most straightforward qualification path
SSDI or SSI
Social Security Disability Insurance for 5+ years
Supplemental Security Income for 5+ years
Next scheduled continuing disability review must be 5-7 years
95% - Requires specific SSA documentation and timing
Medical Documentation
Licensed physician must certify total and permanent disability
Unable to engage in substantial gainful activity for 60+ months
Condition expected to continue indefinitely or result in death
85% - Most complex path, requires specific medical evidence
Our expert team handles every step of your TPD discharge application to maximize your chances of approval and speed up the process.
We review your disability status and determine the best qualification path for your situation. This consultation is completely free with no obligation.
We help you gather all required documentation based on your qualification path. Our team knows exactly what loan servicers need to see.
We complete all federal forms accurately and submit your application to each loan servicer. This eliminates common errors that cause delays.
We track your application status and handle any follow-up requests from loan servicers. You'll receive regular updates throughout the process.
Once approved, we help you understand the 3-year monitoring period requirements and provide ongoing support as needed.
We Handle Everything: Our team knows exactly which documents you need and helps you obtain them. We've seen every possible scenario and know how to present your case for maximum success.
Eligibility review and document collection
Application completion and submission
Processing by loan servicers
100% loan discharge granted
Don't navigate the complex TPD discharge process alone. Our specialized team has helped thousands of disabled borrowers achieve 100% loan forgiveness.
Our team specializes exclusively in Total & Permanent Disability discharges. We know every path, requirement, and common pitfall.
Our proven process and attention to detail have resulted in a 98% approval rate for TPD discharge applications.
We handle all paperwork and follow-up, often reducing processing time by 2-3 months compared to self-filing.
We provide guidance through the entire 3-year monitoring period and help with annual reporting requirements.
If you're permanently disabled, you may qualify for complete federal student loan forgiveness. Let us help you get the relief you deserve.
"After years of struggling with payments, the team helped me get my $45,000 in student loans completely discharged through my VA disability rating. The process was smooth and stress-free."
Important: TPD discharge applications have specific deadlines and requirements. Don't wait - contact us today to protect your eligibility.