Home
Benefits of Staying Current
Consequences of Default
Solution Finder
Budget Help & Mapping Your Future
Employment Help
Repayment Schedules
Deferments
Forbearance
Discharge
Loan Consolidation
Lenders/Servicers
Frequently Asked Questions
If you are totally and permanently disabled, click here.

Option 1: Disability Deferment

What is it?
A means of postponing payments due on your student loans for up to 36 months (3 years).

When do I qualify?
You may qualify if you are:

bullet

Unable to work or go to school because you are temporarily and totally disabled, or

How do I apply for a Disability Deferment?
Click here to view and print a disability deferment request form.  Read the form carefully to make sure you qualify, and follow the instructions on the form.  Mail your completed form to us at:

Student Loan Counseling Service, Inc.
P.O. Box 1078
Waterloo, IA  50704-1078

To learn more about the DISABILITY DEFERMENT, click here.

What if I don’t qualify?
If you do not qualify for a DISABILITY DEFERMENT, please view any other options on your Results page. 

If you are totally and permanently disabled, click here.

Option 2: Total and Permanent Disability

What is it?  
A forgiveness of your student loan based on your disability.

When do I qualify?
To qualify, you must be totally and permanently disabled and have your condition certified by a physician (MD) or osteopath (DO).  Your disability must prevent you from working or going to school.

How do I apply?
Click on the button below to view and print a disability discharge request form.  Please read the form carefully to make sure you qualify, and follow the instructions on the form. Mail your completed form to us at:

Student Loan Counseling Service, Inc.
P.O. Box 1078
Waterloo, IA  50704-1078

To learn more about Total and Permanent Disability, click here.

If you do not qualify for a disability discharge, please view any other options on this Results page.




Student Loan Counseling Service, Inc
(888) 633-4850


COPYRIGHT ©2017, STUDENT LOAN COUNSELING SERVICE, INC.  ALL RIGHTS RESERVED.