For borrowers who are approved for a TPD discharge based on SSA documentation or a physician’s certification
Note: The 3-year post-discharge monitoring period does not apply to borrowers who are approved for a total and permanent disability (TPD) discharge based on a Veterans Administration (VA) determination of unemployability due to a service‑connected disability.
After the U.S. Department of Education (called “the Department” throughout this site) approves your discharge request on the basis of your total and permanent disability, your loan holders will transfer your federal student loans and/or Teacher Education Assistance for College and Higher Education (TEACH) Grant Program service obligation to us for discharge. If you are approved for TPD discharge based on Social Security Administration (SSA) documentation or a physician’s certification, you will be subject to a 3-year post-discharge monitoring period that begins on the date the discharge is approved.
The Department will reinstate your obligation to repay your discharged federal student loans or complete your discharged TEACH Grant service obligation if at any time during the 3-year monitoring period:
In addition, during the 3-year post-discharge monitoring period, you must promptly notify or respond to the Department if:
If your obligation to repay your federal student loans or complete your TEACH Grant service obligation is reinstated under the conditions described earlier, you will again be responsible for repaying your loans or completing your TEACH Grant service obligation. However, you will not be required to pay interest that would have accrued on the loans during the time your loans were discharged due to total and permanent disability.
If your obligation to repay your federal student loans or complete your TEACH Grant service obligation is reinstated, we will notify you of the reinstatement by U.S. Mail and return your loans to the status that existed at the time you applied for a TPD discharge. The notice of reinstatement will include:
If the Department grants a TPD discharge of your federal student loans or TEACH Grant service obligation, you will not be eligible to receive a new Direct Loan, Perkins Loan, or TEACH Grant in the future unless:
In addition, if you request a new Direct Loan, Perkins Loan, or TEACH Grant during the 3-year post‑discharge monitoring period described earlier, you must resume repayment on the previously discharged loans or acknowledge that you are once again subject to the terms of your TEACH Grant service obligation before you can receive the new loan or TEACH Grant.
If you have questions regarding the 3-year post-discharge monitoring period, you can call us seven days a week at 888.303.7818 from 8:00 a.m. to 8:00 p.m. (Eastern), or you can email us at DisabilityInformation@Nelnet.net.