tdiu I Am 100% Disabled (Bi-Polar) But Neither P&t Disabled Nor Tdiu. What Gives?

[Zechariah3and1]

I am trying to get my Student loan discharged. You need to have proof from the VA that you are either TDIU or P&T disabled. My problem is I am rated 100% and according to a letter from the VA I am not indicated as TDIU or P&T disabled. Has anyone heard of this? To discharge my loans I need the magic words unemployable or permanently and totally disabled. Since I am already 100% because of Bi-polar shouldn't I be considered P&T disabled? But the letter says because I am schedule for a review in a few years I am not P&T disabled and unemployability is not indicated. UGGGGH!

[Berta]

If the loan is a high amount, it could be worth your while to try to seek an independent medical opinion that would support a claim for P & T status.

I dont know how long you have received the 100% and it is always possible to try for P & T and the ancillary benefits that P & T would produce for you and your dependents.

Do you also receive SSDI?

I thought maybe an SSDI award would help wipe out a student loan debt but found that it doesn't.

Independent medical Opinions can be quite costly but a strong assessment of your disability could possibly produce the P & T status.

I have friend with SC 100% for bi polar that is P & T.

It took him 12 years to get this VA award and he had been on SSA for almost 2 decades by then for bi polar and had a strong VA medical opinion that he could not improve.

There are many factors they consider for P & T status.

[Zechariah3and1]

Thanks for the feed back. I might seek P&T through an independent medical opinion but I won't need that for this. I went down to VA to get a copy of my award letter and possibly a letter from the VA that state because I am 100% that I am considered unemployable. The person that helped me looked at my records online and wrote a letter that I was P&T. I don't think officially that is correct but that is what she did. I didn't object but just went with the flow and figured it all to God's favor. I have already sent this letter with the first page of my award letter stating that I am rated 100%. That should do it. Yes I owe about $10,000 on the loan. It is worth pursuing. Yes I get SSDI. But if I was rated P&T I could get health benefits for my son and wife and I am sure other things. But I am not going to push it right now. I will think about what you have suggested and decide later. My award of 100% is not yet a year old. I am very lucky and blessed to have it. Now with my student loans being discharged I am a happy camper.

If the loan is a high amount, it could be worth your while to try to seek an independent medical opinion that would support a claim for P & T status.

I dont know how long you have received the 100% and it is always possible to try for P & T and the ancillary benefits that P & T would produce for you and your dependents.

Do you also receive SSDI?

I thought maybe an SSDI award would help wipe out a student loan debt but found that it doesn't.

Independent medical Opinions can be quite costly but a strong assessment of your disability could possibly produce the P & T status.

I have friend with SC 100% for bi polar that is P & T.

It took him 12 years to get this VA award and he had been on SSA for almost 2 decades by then for bi polar and had a strong VA medical opinion that he could not improve.

There are many factors they consider for P & T status.