Can my student loans be forgiven if my spouse is disabled?

Can my student loans be forgiven if my spouse is disabled?

Can my student loans be forgiven if my spouse is disabled? You cannot get your federal student loans forgiven if your spouse is disabled. However, your spouse may be eligible to have their student loan debt forgiven through the Total and Permanent Disability Discharge Program.

Can my student loans be forgiven if my child is disabled?

If you’re totally and permanently disabled, you may qualify for a discharge of your federal student loans and/or Teacher Education Assistance for College and Higher Education (TEACH) Grant service obligation.

Do student loans get passed to spouse?

Federal student loans are not passed on to anyone in your family or even your estate. If you die, your federal student debt is instead fully forgiven and is no longer owned or owed by anyone. Someone will need to provide proof of death to the student loan servicer managing the debt to get it discharged after death.

Can a spouse’s wages be garnished for student loans?

The answer is yes. Your student loan creditors can garnish your spouse’s wages to recover the amount of your defaulted student loan. You don’t mention whether the loan was incurred before or after marriage.

What types of disabilities qualify for student loan forgiveness?

Student Loan Forgiveness For Disabled Borrowers The Total and Permanent Disability (TPD) discharge program provides student loan forgiveness to federal loan borrowers who are unable to maintain substantial, gainful employment due to a physical or psychological medical impairment.

Does Social Security disability forgive student loans?

You’ll also receive a refund of any loan payments you made on or after the effective date of your disability certification. If you qualify due to SSA documentation or a physician’s certification, note that you will be subject to a three-year monitoring period.