TPD Discharge Checker
See which Total and Permanent Disability (TPD) discharge pathway may apply to your federal student loans — VA, Social Security match, or physician certification. This is an educational tool, not a determination of eligibility.
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Your result
Answer the questions to see your result.
It updates as you go.
Your answers stay in this page and are not passed into the case intake. We collect no contact details in these tools.
How this tool works
This tool routes you to the Total and Permanent Disability (TPD) discharge pathway that may fit your situation. Per studentaid.gov, you can document a TPD discharge of federal student loans three ways: a VA determination that you are 100% disabled or unemployable due to a service-connected disability; a match with the Social Security Administration showing you receive disability benefits with a disability-review status that qualifies; or certification by a licensed physician that you cannot engage in substantial gainful activity due to a total and permanent disability. Your single answer selects the matching pathway; if none apply, an attorney can review other options. Federal student loan amounts discharged due to TPD are not treated as taxable income for federal tax purposes for discharges through December 31, 2025 (studentaid.gov). This is educational information, not a determination of eligibility, and no outcome is guaranteed. People's Justice is not a law firm and does not provide legal advice; we connect you with licensed attorneys, and we are not a government agency.
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