Student loan discharge for disability
Cancels federal student loans for people who are totally and permanently disabled.
Apply on the official site ↗Goes to StudentAid.gov. Applying is free.
Who generally qualifies
People with federal student loans who have a total and permanent disability, including veterans rated unemployable.
Exact income limits and rules are set by U.S. Department of Education and can change. Check the official site for current details.
How to apply
- Apply at DisabilityDischarge.com or StudentAid.gov.
- Submit proof from the VA, Social Security or a doctor.
- Many veterans and SSDI recipients are identified automatically.
What to have ready
- VA rating letter, SSA notice or doctor's certification
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. This is free money that does not need to be paid back, as long as the information you give is accurate.
- Who decides if I qualify?
- U.S. Department of Education makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check StudentAid.gov for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with U.S. Department of Education.