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How to Get Student Loans Discharged If You are Disabled

By Edited Sep 12, 2015 0 0

Student Loans Discharged for Disabled

There is a program through the U.S. Department of Education that will forgive or pay student loan debt for disabled people who qualify. The Total and Permanent Disability (TPD) Discharge has historically been ridiculously hard to get. The contradictions within the application questions left doctors refusing to sign it for their patients, even those who were absolutely qualified to have the government forgive their student loan debt because of their disability. Now it is easier to get student loans discharged if you are disabled.

Student Loan Disability Discharge

Disability Discharge Paperwork --Total and Permanent Disability

In July, 2010, the student loan disability discharge application paperwork was changed. The Department of Education loosened up the definition of total and permanent disability. The question was previously too open ended. The question regarding permanent disability is now easier to answer and there is space for judicious answers. Whereas before the change there were many disabled who were getting denied on the student loan discharge application, even though many of them did indeed qualify.

For example, there is a question that asks if the disabled person will "ever" be able to be well again. If the doctor says "maybe" or "I don't know" then the application to have their student loan debt discharged because of disability was rejected. Doctors, as much as they might think they know it all, cannot predict the future. So, of course, they cannot know that physical therapy might allow a soldier to walk again or that the proper therapy might allow a young student to heal from their Post Traumatic Stress Disorder.

This program exists because, even with the best intentions, not every single college student taking out loans for their education will be able to pay them back. For a portion of students the reason is disability. Because there is not a cap on the amount of student loans that the government will forgive under this program for the disabled, it seems like the Department of Education made the application confusing and difficult. Those who managed to maneuver through the paperwork and be persistent with their doctors were the lucky ones. They qualified for the discharge and payment of their student loan debt. Now with the clarification of total and permanent disability there should be a lot of people taking these new forms back to their doctors and trying to student loan forgiveness program again.

Get Application for Student Loans Discharge

The U.S. Department of Education seems like they are showing a good faith effort in loosening the student loan forgiveness program for disabled people. Something else to understand about the student loan debt payment program for the disabled is that it is not set up to be abused. Someone cannot get their student loans discharged or pulled out of default and paid off only to turn around and reapply to college. The approval process is three years long and the disabled person has to be under poverty status to maintain their eligibility for the student loan debt discharge. Then even after it is discharged they keep tabs on you. It is the government after all.

Who Qualifies for Discharge of Student Loans for Disability?

If you are disabled with a lot of student loan debt, whether it is defaulted or you are paying on it, then you should apply to get your loans forgiven and discharged through the disability discharge plan. Get the student loan discharge application form from the Department of Education. After you get your student loan discharge forms take them to your doctor. In order to have your application to get student loans discharged because of disablity you must talk to your medical doctor or a psychiatrist. It is important that you speak with a doctor who is familiar with the reason you are disabled. Student loan discharge forms must be signed by a doctor, not a nurse. In order to qualify for the government to pay your student loan debt you have to be unable to work or earn money because of your disability. Receiving a Social Security Disability and Retirement (SSDR) or Supplement Security Income (SSI) check, or any other form of disability through the Social Security Administration, does not automatically qualify you for the student loan debt payment program. The U.S. Department of Education and the Social Security Administration have separate definitions of disability.



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