Total & Permanent Disability (TPD) Discharge

Forgives 100% of federal Direct, FFEL, Perkins loans and TEACH Grant obligations if you’re deemed totally and permanently disabled by the VA, SSA, or a physician.

Most vets qualify via VA determination (100% P&T or Individual Unemployability). Debt is forgiven tax-free (since 2018).

1. Go to disabilitydischarge.com.
2. Select “Veteran” and authorize the Department of Education to verify your status with VA.
3. Submit the short form—or wait for the VA to auto-flag you.

No doctor statements needed if you already have the VA rating.

You can still pursue an MBA or other programs using GI Bill/Yellow Ribbon. But if you want new federal loans:

• You must certify you’re no longer totally and permanently disabled.
• A physician must confirm you can engage in substantial gainful activity.
• New loans within 3 years can revoke the discharge if your disability status changes.

• If you’re P&T/IU and have federal loan debt, it’s usually a no-brainer.
• If you don’t plan to borrow again, there’s zero downside.
• If you might need loans later, weigh the pros/cons—but remember GI Bill + Yellow Ribbon often removes the need for new debt.