A disability is a person's mental or physical condition that curbs movement, senses or activities. With student loans, borrowers who are determined to be total and permanent disability may qualify for loan forgiveness.


Documentation must be sent from the US Department of Veterans Affairs (VA), the US Social Security Administration (SSA), or a physician. If from the VA, the documentation should indicate either that the borrower has a service-connected disability that is 100 percent disabling or is totally disabled based on an individual unemployability rating. If from SSA, the documentation should indicate the borrower is eligible for Social Security Disability Insurance or Supplemental Security Income and the next scheduled disability review will be five years or more from the date of the borrower's last SSA disability determination. If from a physician, the documentation should indicate the borrower can not engage in any substantial gainful activity due to a physical or mental impairment (i.e., level of paid work performed that involves doing meaningful physical and/or mental activities.