topic Re: TPD Discharge w/ Doctors Certification Questions in Student Loans

TPD Discharge w/ Doctors Certification Questions

Anonymous — Fri, 31 Aug 2018 04:49:35 GMT

I know a lot of the posts on this page discuss TPD discharge with VA disability, but I was wondering if the process with a doctors certification is different. I applied about a month ago and it went into pending final approval status a few days ago. I know there's a backlog for VA TPD claims, but do you think the process works differently for people with a doctor's certification / SSA determination? How long does it usually take to move from 'pending final approval' status to discharge? Also, is there still a chance it won't be approved?

Lastly, how does it work in terms of credit? With a VA disability discharge, the loans are immediately discharged so it would make sense that they are notated as paid with a zero balance on the credit report fairly soon after discharge. But, with a doctor's certification or SSA determination, there is a 3 year post-discharge period, so do the balances remain on your credit under the Nelnet byline until the 3 year period is complete or do they notate the balance as $0 from the beginning and only reapply the balances if you fail to complete the conditions?

I really appreciate it.

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Mon, 01 Oct 2018 21:51:09 GMT

Well it's been a month since you posted this. Any update? I submitted my paperwork from the doctor via upload an email. I've received 6 emails Application Under Review so just curious what's next and how long. I originally had 8 loans that show a combined 92 late payments before being transferred as default 8 times for a year then consolidation to 2 current loans with income based repayment of $0/month a few months ago. Been trying to figure out what will happen.

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Thu, 31 Jan 2019 14:52:27 GMT

I am currently going through the same thing that you went through they just received my disability discharge application about 10 days ago and I was just wondering how yours went and what I could expect to go through on mine?

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Thu, 31 Jan 2019 14:55:06 GMT

Hello I am currently going through the same thing that you have posted about and I was just curious as to what I could expect to go through during this application process. And also how long it takes to get a final decision on whether I am approved for the discharge or not

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Thu, 31 Jan 2019 15:00:25 GMT

It took about 30 days or so after I uploaded my doctors documentation. Only hiccup was they couldn't read my Dr license number in the handwriting once I got that information uploaded it went through fine. They closed my open loans and started new ones from the same date from when I did consolidation earlier in the year and is also closed with 0 balance in the monitoring period. I was hoping my old pre consolidation bad loans from default and late payments would be purged but no luck. I have been disputing and Transunion and Equifax just keep verified. Experian deleted everything including the four loans in perfect condition.

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Sun, 03 Feb 2019 03:43:33 GMT

When I filed and uploaded they said they couldn't read it so I resent it via email and about 30 days later it updated to say I was approved and now I'm in the 3 year waiting period.

I didnt pay attention to them closing and reopening with the same date but my credit report says 0 and transferred.

I did it with my doctor filling out the form prior to my disability case being final. I will say that I researched the specifics of what needs to be on the form in order for it to be approved just to make sure I didnt have to get my doc to do it all again.

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Tue, 12 Feb 2019 18:15:15 GMT

Hello:

My Dr. filed, was received December 13, 2018.
Was approved February 11, 2019.
Will update you when credit scores get updated.

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Thu, 28 Mar 2019 03:16:04 GMT

Just curious but did your loans get approved? If so how long did it take? I'm still waiting on mine I sent in a dr certification as well.

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Fri, 25 Oct 2019 00:06:56 GMT

Congratulations on having yours discharged. I just had my doctor filled this out and waiting for the results. Will you PLEASE help me out with what needs to be filled out PLEASE? Thanks a bunch.
Thanks

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Tue, 09 Jul 2019 03:58:52 GMT

@jesmann Could you please give specific information about what documentation from your doctor you had to include with your application? I know they have to fill out section 4 of the application for the physician's certification, but is there anything else?

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Tue, 09 Jul 2019 04:00:54 GMT

Singsonbing

I've tried researching what the physician needs to write on application but I haven't really found anything. What did your doctor write? Would be really helpful, thank you!

Re: TPD Discharge w/ Doctors Certification Questions

Anonymous — Thu, 24 Oct 2019 00:59:51 GMT

What status does your Nelnet account say? looks like mine says changed from final approval/approved to "in 3 yr monitoring period" and my loans are in a 3 year forbearance rather than zero-d out. Is yours like this? Yours were zero-d from your credit reports shortly after approval as well?