Veterans Benefits

Military Veterans and spouse Benefits

Student Loan Forgiveness for 100% Disabled Veterans

If you’re 100% Disabled veterans which means totally and permanently disabled, you may qualify for a discharge of your federal student loans.  An executive order passed by the president directed the Department of Education to forgive all federal student loan debt owed by veterans who are “completely and permanently” disabled. The presidential memorandum also cleared that eligible disabled veterans should not have to pay any federal income tax on the loans.

Student Loan Forgiveness for 100% Disabled Veterans (Permanently Disabled Veterans)

A few years back, the student loan discharge process for disabled veterans generally involved a very complication paper work. This process included filling out paperwork and submitting supporting documentation to the U.S. Department of Education. So this was very difficult for the service member to complete the documentation. therefore Veterans’ advocates often claimed that this process was too onerous for many 100% disabled servicemembers.

 The Higher Education Act:

The student loan is the amount that the students get from banks to complete their education and degrees. Due to certain circumstances, they are unable to pay the loan back. Hence, for the dependents of 100% disabled veterans, the government has announced the forgiveness on loan. It means the dependents don’t have to pay back the money they got for their education.

The Higher Education act given out in the year 1965 and the restructured Higher Education Act of 2008 discharged the student loan debt for “totally and permanently disabled” veterans. Disabled veterans who are seeking Loan discharges should be able to submit an application to the Secretary of Education with proof of their disabilities.

Student Loan Forgiveness for 100% Disabled Veterans

Student Loan Forgiveness

The process is sometimes intricate and difficult. If dependent of veterans are considering going to or going back to school, there are a few options to help them pay for future tuition costs – although these will help very little with existing student loan debt.

Related: Best Scholarships for Children of Veterans

How do I show that I qualify for a TPD discharge?

You can show that you qualify for a total and permanent disability (TPD) discharge by providing documentation from one of three sources:

  1. the U.S. Department of Veterans Affairs (VA)

  2. the Social Security Administration (SSA)

  3. a physician

To find more about a TPD discharge, visit to the U.S. Department of Education’s Federal Student Aid website or

Student loan debt dismissed:

The Department of Defense My Career and Advancement in Account Scholarship Program is a workforce development program that provides up to $4,000 in tuition backing to eligible who wishes to pursue certain associate degrees, certifications, or license. Almost about 42,000 disabled veterans are eligible to have their federal student loan debt dismiss.

But only about 18 percent of them have been lucky enough to get their loans dismissed, according to the Department of edification and veteran affairs. You can use the online student loan consolidation calculator here.

Veterans who have a total and 100% service-connected disability or they are entitled to receive disability benefits at the 100-percent level are suitable for the loan forgiveness program, called Total and Permanent Disability Discharge, or TPD. This loan forgiveness program is also available to federal student loans that disabled veterans take out for their offspring. The disabled veteran just has to provide the application approved by a physician showing their disability as a permanent and non-curing disorder.

Total and Permanent Disability Discharge:

Total and permanent disability discharge is a program designed to help the dependents of disabled veteran with their education loans. This program will help the dependents repay the loan they have taken and enables them to complete a grant service obligation for teach.

To qualify for TPD discharge, the dependent children or spouse must complete the TPD discharge application and submit before the deadline. The application must be submit along with the documentations that prove the disability rating of the veteran


Financial Aid for Disable Veterans Dependents:

There are many student aid programs for veterans and their dependents such as children and spouses. A planning about the student aid treatment of veterans benefits for education and tuition can be found in the Veterans affairs department.

 Survivors’ and Dependents’ Educational Assistance:

There is a program known as the Survivors and Dependents Educational Programs that provides up to 45 months of education and guidance opportunities to eligible dependents of certain disabled veterans.

To be eligible, one must be the son, daughter, or spouse of a veteran who died or is enduringly and totally disabled as the result of a service-connected disability, or who got dead while having such a disability in effect. Sons and daughters must be linking the ages of 18 and 26.

 Refinancing for Students:

Refinancing require you to turn your federal scholar loans into private student loans – which may not be the right choice for everyone. Federal student loans come with many benefits and protection, including access to clemency programs and a variety of repayment plans. The students can get themselves stuck on one plan and then complete that for their complete loan forgiveness.

What Disabilities Qualify for Student Loan Forgiveness?

The veteran struggling with the disability know that every day brings a new challenge for them. The 100% disabled veteran is a permanently disabled veteran, so he has to face many challenges throughout his life. Earning money, managing their home, providing education to their children can be a huge burden for them. For such veterans, student loan forgiveness programs are being offered. These programs reduce some stress from the head of veterans to some extent if not completely.

All veterans with a service-connected disability are eligible for loan forgiveness. A veteran who is already receiving social security services can also get the student loan forgiveness opportunity. The veteran will have to provide the documentation specified by the physician specifically first. If you want more information about the eligibility criteria then check the website

Student Loan Forgiveness For 100% Disabled Veterans Spouses

Being a veteran spouse with 100% disability is not an easy job. The whole responsibility is present of the spouse’s shoulders. They have to taker care of everything and manage the home and family. For the spouses of veterans, there are no specified programs that offer loan forgiveness, however there are many options for the spouses.

If the spouse want to go back and complete their studies and degree, then the veteran affairs department give the opportunity to spouses to get free education from the college they want. But, already existed loans are not paid by the department.

Education and Career Opportunities:

As a dependent belonging to a family of disabled veteran, it can be easy to prioritize the career of your service member over your own career. However, if you are passionate about finding a transportable and gratifying career, the SECO Program offers education and career guidance opportunities. SECO offers in sequence, tools, and resources to hold up profession exploration, education, training, licensing, employment willingness and career connections.

Related: Tuition Assistance for Dependents of Disable Veterans 

Leave a Reply

Your email address will not be published.