Total and Permanent Disability (TPD) Discharge
Attention Department of Education Default Resolution Group (Xerox) Borrowers:
For quick access to your current status, please click on the "Get An Account" link in the upper right-hand corner of this page. If you need assistance, you can select the "Chat Now" option Monday through Friday between the hours of 8:00AM and 8:00PM EST. Or, to speak with one of our Account Advisors, you may reach us directly at 888.303.7818 seven days a week between the hours of 8:00AM and 8:00PM EST. Thank you.
Welcome to the online information resource center for Total and Permanent Disability (TPD) discharge of Federal Family Education Loan (FFEL) Program loans, William D. Ford Federal Direct Loan (Direct Loan) Program loans, Federal Perkins Loans, and Teacher Education Assistance for Higher Education (TEACH) Grant service obligations.
The Higher Education Opportunity Act (HEOA), enacted on August 14, 2008, and final regulations issued on October 29, 2009 made significant changes to the definition of total and permanent disability and the discharge process. These changes became effective July 1, 2010, and apply only to total and permanent disability discharge applications received by loan holders on or after that date. For more information, see the Recent Changes to Regulations section of the Laws & Regulations Updates page.
IMPORTANT NOTICE: The information on this site has been updated to reflect the regulatory changes that took effect for total and permanent disability discharge applications received by loan holders on or after July 1, 2010, as described above. Discharge applications received by loan holders before July 1, 2010 will continue to be evaluated and processed in accordance with the total and permanent disability definition and discharge procedures that were in effect under the pre-July 1, 2010 regulations. In addition, for borrowers who receive total and permanent disability discharges under the pre-July 1, 2010 procedures, there are certain differences in the requirements for receiving new loans or TEACH Grants after a prior total and permanent disability discharge. These differences are described under Student Loan Eligibility after TPD Discharge elsewhere on this site.
Click here for information about the total and permanent disability definition and discharge procedures that remain in effect for total and permanent disability discharge applications received by loan holders before July 1, 2010, as well as the requirements for receiving new loans or TEACH Grants after a total and permanent disability discharge has been granted under the pre-July 1, 2010 procedures.
Note: The term "borrower" used throughout this site refers to any TPD discharge applicant, including individuals who are applying for discharge of a TEACH Grant service obligation.
For Borrowers - Information and advice on the TPD process for borrowers. *TO SUBMIT REQUESTED ANNUAL INCOME DOCUMENTATION GO TO THE "SIGN IN" LINK AT THE TOP OF THE SCREEN TO UPLOAD YOUR DOCUMENT* (If you do not have a borrower profile you may create one at the "Get An Account" link at the top of the page)
For Loan Holders - Key guidance on processing and managing TPD requests for loan holders.
For Physicians - Key information and submission requirements for medical professionals.
Veterans Disability Discharge - Important information for totally and permanently disabled veterans.