cancel
Showing results for 
Search instead for 
Did you mean: 

TPD Loan forgiveness with VA disability rating.

Established Member

Re: TPD Loan forgiveness with VA disability rating.

RickyC, Thank you for your service!  I know you're asking someone else, but I'll provide my info too (always good to have extra perspectives Smiley Happy  I just finished going through TDPD forgiveness process.  I have a Total Permanent Disability rating. I emailed to the nelnet email address my Benefits Summary Letter,  Benefit Verification Letter and the TPD application.  I recieved responses via email and mail that they received the application and were processing it.  A few days after emailing Nelnet, my student loan went into forbearance.  The process took 55 days until it was approved (I checked on their website for status update and shortly thereafter received an email and later a letter).  About 6 days after approval, I had a zero balance with my student loan lender (still waiting for them to report the new balance to the credit bureaus).  Two weeks after the loan discharge approval, I received funds towards payments I had made to the lender since my P&T effective date. One thing I didn't do, the Benefit Summary effective date was December 1, 2017 which wasn't the effective date of my P&T, it's the effective date of the last COLA change for disability pay.  A letter from Nelnet informed me if the effective date was different than Dec 2017, to send them proof.  I emailed them the first part of my last decision letter from the VA which showed the earlier effective date.  About a week later Nelnet approved and notified my lender.  Hope this helps and please feel free to reach out if you have any questions.

Message 21 of 27
New Visitor

Re: TPD Loan forgiveness with VA disability rating.

ArsenalGunner, thanks for the quick reply and also for your service. More info is always appreciated especially when trying to read through the VAs policy documentation.....so difficult to get through.

In reading more, even though I have a 100% rating, I do not have the P&T designation required. I guess my next course of action is to try to determine how I obtain that P&T to my rating. Any suggestions?
Message 22 of 27
Established Member

Re: TPD Loan forgiveness with VA disability rating.

Hi RickyC - Unfortunately I don't really know how that is determined or how to go about making it that way.  I've read in a forum that age and type(s) of disability and how they affect the quality of life and ability to find employment may be a factor for determination.  I got a lot of info from a forum called Veterans Benefits Network or VBN.  I've read some folks were granted discharge without P&T by just submitting their Benefit Verification Letter which is downloadable on eBenefits.  That letter doesn't say whether it's P&T or not, just the date of letter, effective date of disability, and 100%.  Whether true or not I can't say for sure.  I submitted both thr verification and summary letter because the summary letter does state P&T and I didn't want any decision delays Smiley Happy  My P&T came after an appeal process and I was quite surprised.  Hope this helps, be gld to answer and other questiosn.  Best of luck!

Message 23 of 27
New Visitor

Re: TPD Loan forgiveness with VA disability rating.

Hello, I was wondering if your VA paperwork indicated that you were unemployable? I was told that even if you were rated at 100% Totally and Permanent Disable due to service connected disabilities. Can you or anyone that has completed this process using the VA confirm this for me? Thank you in advance for your assistance.

Message 24 of 27
New Visitor

Re: TPD Loan forgiveness with VA disability rating.

You should be able to generate your Benefits Summary from ebenefits and it will automatically include whether you are T&P when ready to print. It will state whether you reconsidered T&P, as it will say Yes or No.

Message 25 of 27
New Visitor

Re: TPD Loan forgiveness with VA disability rating.

Ok, well I guess we will find out. I submitted my application on the 6th with my rating determination from the VA which shows a summary of disabilities and 100%......no P&T or UI. I called Nelnet a few days later and the rep indicated that from what she’s seen that looks like it’s enough to get approved. Status changed to Under Review on 6/13. I’ll keep you guys up to date. Thanks again guys.
Message 26 of 27
New Member

Re: TPD Loan forgiveness with VA disability rating.

Not sure if any of you were aware but you also get back any money that was paid after your affective date. So if after you got 100% from the VA you or the military on your behalf made any payments toward the discharged loans you will get that money back. I have an appeal and assuming I win I can submit the new affective date and get back like 4k.

Message 27 of 27