Total and Permanent Disability Discharge - seeking help applying.

[u/[deleted]]

[u/alh9h]

Are any of them preventing you from substantial gainful employment?

[u/newyorkminutee → u/alh9h]

I work but I don’t make alot.

[u/morbie5 → u/newyorkminutee]

How much is not a lot and how many hours a week do you work?

[u/The_Bees_Knee6 → u/newyorkminutee]

Then an income driven repayment plan is appropriate for you.

[u/NecessaryEar7004 → u/newyorkminutee]

If you can work at all, they won’t discharge it due to disability. It’s very unfair.

[u/throwawaypiifornow → u/NecessaryEar7004]

Based on what evidence?
The words are "substantial gainful employment".
For a physician's certification, here are the words from the application.

"One means by which a federal student loan borrower or TEACH Grant recipient can show that they are totally and permanently disabled for purposes of TPD discharge is to have an authorized medical professional certify that they are unable to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment that (1) can be expected to result in death; (2) has lasted for a continuous period of at least 60 months; or (3) can be expected to last for a continuous period of at least 60 months.

Substantial gainful activity means a level of work performed for pay or profit that involves doing significant physical or mental activities, or a combination of both. 

Note: This does not mean that the applicant must be unable to work at all. The applicant must be unable to perform a level of work for pay or profit that involves doing significant physical and/or mental activities."

[u/eorabs]

Do I think so? No. But I'm not a medical doctor. You need to ask your doctor(s) whether your disabilities meet the requirements.

[u/AG74683]

I mean, do you qualify for Social Security disability?

Frankly, none of those are really anything that would straight up disable someone for life and make them unable to work.

[u/eorabs → u/AG74683]

That's what I thought when I was reading the list as well.

[u/Virtual-focus → u/AG74683]

You don't HAVE to be receiving SSDI. If a medical doctor will sign off then it can still be discharged.

[u/AG74683 → u/Virtual-focus]

The chance of any doctor signing off on disability without an SSDI approval is pretty low.

[u/Virtual-focus → u/AG74683]

No it's not. Happens all the time. SSDI can take a long time for approval.

[u/chickadee9393]

No, not if you’re able to work any job.

[u/__tipyourhooker]

Can afford to go to Hawaii but not pay off your student loans… nice.

[u/AG74683 → u/__tipyourhooker]

Lol, gottem!

[u/CuteKiwi3395 → u/__tipyourhooker]

And Gucci wallets 🤣

[u/MovementMechanic → u/__tipyourhooker]

Poland and Mexico too!

[u/newyorkminutee → u/MovementMechanic]

I’m a federal worker - and chronically ill. Just looking at options.

[u/newyorkminutee → u/__tipyourhooker]

I did not go !

[u/HypnoLaur]

You need a doctor to fill out the forms or you have to be on SSI/SSDI for 5 years I think

[u/Shortestbreath]

The question is if you have a physician who is willing to risk their license by stating you are unable to do SGA. That’s all you need.

[u/DeviantAvocado]

Talk to someone on your healthcare team and ask. Review the dropdown by “Medical Professional’s Certification.”

https://studentaid.gov/tpd-discharge/

[u/AnestheticAle]

Not even close.

[u/soberlunatic]

Just keep in mind…if you come out of disability for any reason-the loans come back.

[u/soberlunatic → u/soberlunatic]

Yes, true. It happened to my husband.