Requirements for potential discharge (or forgiveness) of private student loans described below.

If you have a total and permanent disability, you may qualify for an total and permanent disability (TPD)  discharge of certain private student loans.

TPD means the inability to work in any occupation due to a condition that began of deteriorated after the date of the final Truth in Lending disclosure and the disability is expected to be permanent.

If you receive a TPD discharge , you will no longer be required to repay your loans.

To apply for TPD , you must complete the TPD application and provide on of the following:

A physician’s certification that you are totally and permanently disabled.

If you are a veteran, you can submit documentation from the Department of Veterans Affairs showing that you’ve been determined to be unemployable due to a service-connected disability.

NOTE: TPD discharge is available for Smart Option Student Loans and College Ave refinance loans.

For  other private student loan products, please call us to discuss eligibility.


Docufi Solutions is a private company committed to full transparency to our customers.  With that in mind please read the following disclaimers and Agree before continuing to our website.  We look forward to assisting you!

  •   Docufi Solutions is not a government agency, the Department of Education, or your loan servicer.
  • Docufi Solutions does not make loan payments on your behalf and loans remain in your name.
  1. All payment made to Doc U Fi Solutions are fees for our document preparation services.
  • You can do this yourself without a fee – all programs are freely available for enrollment through the Department of Education.