What Every Social Security Disability Recipient Needs To Know About Discharging Your Federal Student Loans As A Result Of Total And Permanent Disability
Federal Student Loans, including FFEL, Direct Loans and Perkins Loans are eligible for forgiveness if the student loan debtor is found to be “totally and permanently disabled” (TPD).
The Department of Education is required to accept a Social Security Administration Notice of Award for Social Security Disability Insurance (SSDI) benefits or Supplemental Security Income (SSI) benefits as proof as a borrower’s total permanent disability, if the Notice indicates that SSA will review the borrower’s continuing eligilbity for benefits once for every five (5) to seven (7) years.
However, if your Notice of Award indicates a disability review less than five (5) to seven (7) years, you can still qualify for a discharge of your Federal Student Loans if your physician will certify your disability. Information about applying for total permanent disability discharge can be found at disabilitydischarge.com.
The good news is that you can authorize representatives, like Student Loan and Social Security Disability attorney Nancy Cavey, to handle your TPD application, deal with any request for information or denials and help you with post discharge monitoring requirements.
What You Need To Do If You Have Student Loans and Applying For Social Security Disability
If you are a Federal Student Loan borrower who has applied for Social Security Disability benefits and awaiting a decision or have received a Notice of Award, it’s time to contact Nancy Cavey who can help you regardless of where you live in the United States.
She routinely represents social security disability applicants and student loan borrowers in securing a disability discharge. Contact her today at 727-894-3188.