Hi, there is a discharge application, for total and permanent disability. You can find the forms on line, print several, you will need them all. Your doctor has to fill it out and sign it, its a good idea to read everything, know the form from start to finish and make sure your doctor makes no mistakes. If he does just use a whole new form, tell him to use no initials, print everything so that its easy to read. Everything gets denied the first time. But after three years they will give you a total discharge of your student loans, that is if you are not able to work otherwise you get tho pay them back.