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Nelnet | Nelnet Loans
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Nelnet
Certain physical or mental impairments may entitle you to full and permanent disability forgiveness of your federal student loans or your TEACH scholarship program service obligations.

Full and permanent disability (TPD) relief exempts you from having to repay William D. Ford's Federal Direct Loan Program loans, as well as those from the Federal Family Educational Loan Program (FFEL) or the Federal Federal Perkins Loan Program, or having to complete a mandatory service of the Higher Education Scholarship Program for Teaching ( TEACH Grant ) because of their total and permanent disability. Before your federal student loan or mandatory TEACH Scholarship Service can be waived, you must provide information to the US Department of Education. UU. (ED) to demonstrate that he or she suffers a total and permanent disability.

If you believe that you may be eligible and wish to apply for permanent and total disability forgiveness, you must provide the information required by the US Department of Education. UU. To make a determination. To do this, complete the request for forgiveness for total and permanent disability and gather evidence. Depending on your situation, attach the supporting documentation to your application or have your doctor complete Section 4 of your application. After completing it, mail the request for forgiveness to Nelnet's Total and Permanent Disability Administrator. If necessary, include supporting documentation.

Has there been a change in the process of permanent and total disability forgiveness? 
How do I show that I have a total and permanent disability? 
What should I do if I want to apply for full and permanent disability forgiveness? 
Can my representative apply on my behalf and assist me with the total and permanent disability forgiveness process? 
What happens if the Department of Education approves my request for permanent and total disability forgiveness? 
What happens if the Department of Education rejects my request for permanent and total disability forgiveness? 
Where can I find more information on total and permanent disability forgiveness?

Has there been a change in the process of permanent and total disability forgiveness?
Yes. The information on this page shows the changes made to the total and permanent disability forgiveness procedure, according to the rules issued under the final regulations issued on November 1, 2012 ( PDF , text ). These changes apply to all applications for permanent and total disability forgiveness received on or after July 1, 2013.

If your total and permanent disability forgiveness application was received prior to July 1, 2013, it will be processed according to procedures in place prior to policy changes. These procedures are described in the application you completed.

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How do I show that I have a total and permanent disability?
You can demonstrate your total and permanent disability in one of three ways:

If you are a veteran, you may submit documentation from the US Department of Veterans Affairs (VA) showing that the Department of Veterans Affairs has determined that you can not have employment because of a disability related to your service military.
If you are receiving Social Security Disability (SSDI) or Supplemental Security Income (SSI), you can file an SSDI or SSI benefit award notice from the Insurance Administration (SSA) stating that your next scheduled disability screening will be between five and seven years after the date of your most recent disability determination by the SSA.
You can present a certificate from a doctor stating your total and permanent disability. Your doctor must certify that you can not carry out any paid activity due to a physical or mental impairment, which can be determined by medical procedures,
Which could lead to his death;
Which has had a continuous duration of at least 60 months; or
Which could be expected to last a continuous period of not less than 60 months.
Each option to prove that you are suffering from a total and permanent disability has specific documentation requirements that you must submit along with your total and permanent disability forgiveness application. To review the documentation requirements, visit the total and permanent disability forgiveness website: www.disabilitydischarge.com and click on Request Process.

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What should I do if I want to apply for full and permanent disability forgiveness? 
You should inform Nelnet's Total and Permanent Disability Administrator that you want to file an application. Nelnet helps the Department of Education to carry out the process of total and permanent disability forgiveness. The entity administers the total and permanent disability forgiveness website and communicates with the borrowers on behalf of the Department of Education regarding total and permanent disability forgiveness requests.

You can tell the Nelnet Total and Permanent Disability Administrator that you want to start the application process by phone or email.

You can call Nelnet seven days a week at 1-888-303-7818, 8 am to 8 pm ET.
You can write an email to Nelnet at disabilityinformation@nelnet.net .
Another way to communicate to the Total and Permanent Disability Administrator that you want to start the application process is to complete the complete and permanent Disability Waiver application form online. If you want to begin completing your application form online, visit the Total Disability Disability website at www.disabilitydischarge.com and click Request Now.

When you tell the Total and Permanent Disability Administrator that you want to start the process of applying for total and permanent disability forgiveness, the entity follows these steps:

First, Nelnet provides you with the information you need to apply for full and permanent disability forgiveness.
Second, it reviews your records and identifies your federal student loans or service obligations for the TEACH scholarship program that may qualify for full and permanent disability forgiveness.
Finally, Nelnet communicates with the entities that manage their loans and tells them to suspend the activity of collecting their loans for a period of up to 120 days. That means that during the 120-day period, you should not repay your loans.
The suspension of the collection activity will give you time to complete the application form and return it to the Total and Permanent Disability Administrator for processing. If Nelnet does not receive your application within 120 days, your loan administrator will resume your loan collection activity and you must begin making your payments again.

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Can my representative apply on my behalf and assist me with the total and permanent disability forgiveness process?
Yes, your representative can complete and submit your total and permanent disability forgiveness application on your behalf and assist you with the entire forgiveness process. However, you and your representative must complete a Requester Representative Appointment form. Nelnet's Total and Permanent Disability Administrator must receive and process this form before it can be effective for your representative. You must file this form even when you have power for your representative.

To download or print the Requester Representative Designation form, visit the Total Disability Disability website at www.disabilitydischarge.com and click on Forms .

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What happens if the Department of Education approves my request for permanent and total disability forgiveness?
That will depend on how you have shown to the Department of Education that you are suffering from a total and permanent disability.

If you have demonstrated it with the Department of Veterans Affairs's determination that you are unable to work because of a disability or service-related disability, the following will happen:

Nelnet's Total and Permanent Disability Administrator will notify you and the managing entities of your loans or service obligations through the TEACH scholarship program.
Nelnet will instruct the loan managing entities to return all payments received at or after the date of declaration of disability to the person making the payments. For this purpose, the "disability declaration date" is the effective date of the Department of Veterans Affairs determination that you are unable to work because of a disability related to your military service.
After receiving notification that the Department of Education has approved their request for forgiveness, the loan administrators will waive their loans.
If you demonstrated to the Department of Education that you have a total and permanent disability with documentation from the Social Security Administration or a medical certificate and the Department of Education approves your total and permanent disability forgiveness application, the following will happen:

Nelnet's Total and Permanent Disability Administrator will notify you and the managing entities of your loans or service obligations through the TEACH scholarship program.
Nelnet will instruct its loan administrators to return all payments received after the date of the disability declaration to the person making the payments. For this purpose, your "disability declaration date" is the date on which Nelnet has received documentation of your Social Security Disability or Supplemental Security Income (SSI) benefit release issued by the Social Security Administration, or The date on which the doctor has certified his / her request for forgiveness form, depending on the type of document you have provided to prove that you are suffering from a total and permanent disability.
After receiving notification that the Department of Education has approved their request for forgiveness, the loan managing agencies will transfer their loans or their service obligations through the TEACH scholarship program to Nelnet for cancellation. It will then be submitted to a control period of three years after the cancellation. This period shall begin on the date on which the request for forgiveness is approved. There are requirements that must be met during the post-remand period. For detailed information about the requirements for this three-year period, visit the total and permanent disability forgiveness website at www.disabilitydischarge.com and click on the Control Period.
Nelnet will reinstate your obligation to repay canceled loans or your obligation to render the canceled service of the TEACH scholarship program if, at any time during the three-year control period, you do not meet the requirements of that period.
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What happens if the Department of Education rejects my request for permanent and total disability forgiveness?
That will depend on how you have demonstrated to the Department of Education that you are suffering from a total and permanent disability.

If you have demonstrated it with the Department of Veterans Affairs's determination that you are unable to work because of a disability or service-related disability, the following will happen:

The Total and Permanent Disability Administrator will notify you of the rejection by US mail. UU.
Nelnet will instruct its loan administrators to resume collection activity on their loans.
The letter sent by Nelnet includes the reason for the refusal and information on how you can submit other documentation from the Department of Veterans Affairs to request a reassessment of your request.
If you demonstrated to the Department of Education that you have a total and permanent disability with documentation from the Social Security Administration or a medical certificate, the following will happen:

The Total and Permanent Disability Administrator will notify you of the rejection by US mail. UU.
Nelnet will instruct its loan administrators to resume collection activity on their loans.
The letter sent by Nelnet includes the reason for the refusal and instructions on what to do if you have questions about the grounds for the decision or if you believe there is other information that the Department of Education should consider.
Note: If you receive a new Loan from the Direct Loan Program , a Perkins Loan, or a TEACH Scholarship Program grant before the Department of Education grants you forgiveness, this department will reject your request for forgiveness and Loans that restart the collection activity of their loans.
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