Student Loan Law: 12.2.1 Introduction
A borrower’s total and permanent disability (TPD) is grounds for a discharge of federal student loans.4 Borrowers are considered to have a “total and permanent disability” if they are unable to engage in any substantial gainful activity (which relates to earning income) by reason of any medically determinable physical or mental impairment that can be expected to result in death, expected to last for a continuous period of sixty months, or has lasted for a continuous period of sixty months.5 There are th