Total Permanent Disability (TPD) Discharge

Borrowing a Federal Direct Loan After Receiving a Total Permanent Disability Discharge

If the you are granted a Total Permanent Disability (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:

  • You obtain a certification from a physician that you are able to engage in substantial gainful activity; and
  • You sign a statement acknowledging that the new loan or TEACH Grant service obligation cannot be discharged in the future on the basis of any injury or illness present at the time the new loan or TEACH Grant is made unless your condition substantially deteriorates so that you are again totally and permanently disabled.

This documentation should be submitted to the Financial Aid Office.

In addition, if you received a TPD discharge based on SSA documentation or a physician’s certification and your three-year postdischarge period hasn’t ended, you must also resume repayment on your previously discharged loans or acknowledge that you are once again responsible for meeting the terms and conditions of your TEACH Grant service obligation.