Discharge Application:Total and Permanent Disability 2025

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If you havent gotten an automatic discharge letter, heres how you can apply for TPD discharge: Complete a TPD discharge application. Attach supporting documentation of your eligibility for discharge. Send your application and documentation to Nelnet, the TPD discharge servicer.
If your request for TPD discharge is approved, the wage garnishments and/or Treasury Offset payments will be discontinued at that time. The suspension of collection activity will give you time to complete and submit the TPD discharge application.
The permanent loss or loss of use of both hands, or of both feet, or of one hand and one foot, or of the sight of both eyes, or becoming permanently helpless or bedridden constitutes permanent total disability.
To get TPD discharge, you must show that you have a disability that severely limits your ability to work, now and in the future. This can be a physical or a mental disability. In most cases, youll have to provide specific kinds of proof of your disability.
Total and Permanent Discharge (TPD) means that you, the borrower, no longer need to make payments on your student loans because of your total and permanent disability. Federal direct loans. Federal Family Education Loan Program.
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You have a permanent and total disability if you cant engage in any substantial gainful activity because of your physical or mental condition.

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