If the holder of the loan determines that you have become totally and permanently disabled, your obligation, and the obligation of any endorser of your loan, to make any further payments on the loan is discharged. You cannot be considered totally and permanently disabled on the basis of a condition that existed at the time you applied for the loan, unless your condition has substantially deteriorated later, so as to render you totally and permanently disabled.

The full criteria by which borrowers may qualify for such a discharge are set forth in Department of Education regulations 34 C.F.R. 682.402(c).

You may request a "Physician's Certification of Borrower's Total and Permanent Disability" (Form 1172) from our forms request page.