Total & Permanent Disability

Your loans may be discharged if you are unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result in death, has lasted for a continuous period of not less than 60 months; or can be expected to last for a continuous period of not less than 60 months.

Eligibility:

• For borrowers who are unable to work & earn money due to an illness or injury that is expected to continue indefinitely or result in death.
• The borrower cannot receive any disbursements after the date the doctor certifies that the borrower is totally and permanently disabled.
• Form must be an original. Faxes are not accepted.
• Form must be signed by borrower or borrower's representative.
• Physician's section must be completed and signed by a doctor of medicine (MD) or Osteopathy (DO) who is licensed to practice in a state. [The definition of "state" from the discharge form: State includes the 50 United States, the District of Columbia, American Samoa, the Commonwealth of Puerto Rico, Guam, the Virgin Islands, the Commonwealth of the Northern Mariana Islands, the Republic of the Marshall Islands, the Federated States of Micronesia, and the Republic of Palau.]
• Applications must be returned within 90 days of the physician's signature.

To request a Total and Permanent Disability Loan Discharge application, please contact Customer Service.