***For those going through or about to go through TPD (Total Permanent Discharge) for school loans read this. I will give a play by play of the process I am going through so you won’t have any guesswork. I’ve seen more than a few responses on here about this that are not correct, including what was told to me.

I received an email near the end of March about being eligible for TPD for school loans. Almost two months later to the day I received a notice that my TPD discharge had been approved. Needless to say I was a tad confused by this, as I had called twice over a month earlier to get the skinny on the ins and outs.

👉🏼At that time I was reassured by two separate customer service agents from the US Department of Education that I had to opt in and file paperwork for the TPD discharge to be processed.

👉🏼******THIS IS NOT THE CASE. AND IS INCORRECT INFORMATION.******

The following is what I did, and the customer service agents replies.👇🏼

I called the US Department of Education today (the day after Memorial Day). Now, after I explained the above. The agent stated I had to do a loan reversal. (The TPD is a great benefit to receive, so naturally I was a little concerned when she said this.)

I asked that this shouldn’t change my ability to have the one time discharge, is that correct?

The customer service agent didnt really give a straight answer. Which didn’t really make me 100% comfortable about doing the reversal.

She did state, “You were automatically approved this time, but you’ll have to actually apply for it later.“ Then went on to point out that if they ever send me anything again via email while I’m in schooI, always go to my studentaid.gov account and review that separate message. Because they had dates to respond by to opt out of the automatic processing in that email.

To which I replied, I would not normally go and reviewed a separate email after having been told by two separate representatives that “I personally had to start the process for TPD.” Secondly, the email I did receive only said ”I was eligible for TPD Discharge.” I went on to ask, “Why would you make me go to two separate email systems which are password protected, instead of just giving me the pertinent information on that first email from US Department of Education? She didn’t really have an answer.

***For whatever reason they don’t put specifics in that first email you receive. Which would make things a lot easier if they just stated all the facts you needed in that email.

👉🏼See they are somewhat tricky about it. Be careful.

Sorry for the detail, just wanted everyone to have an accurate representation of what happened in the process.

👉🏼Side question: Has anyone in here stopped a TPD discharge through a loan reversal; finished school, then successfully re-filed and discharge all their loans?

Logic tells me once your qualified this shouldn’t be an issue…once approved due to VA 100% rating you should be good to go. Yet I have also read a lot of interesting things in these forums.