When it is determined totally disabled, how student loans are paid does affect credit scores?
I am totally invalid and student loans, if paid by the government, how is my credit affected and how the debt is reported on my file Credit?
It is determined totally and permanently disabled when the person is unable to work and earn money due to injury or illness that is expected to continue indefinitely or result in death. For example: you lose the ability to walk, you loose sight, you are bedridden, etc. Another definition: If a borrower is unable to engage in any substantial gainful activity because of a determinable physical or mental impairment which can be medically expected to result in death, lasted for a continuous period of at least 60 months, or be expected to last for a continuous period of at least 60 months, the borrower may request a total and permanent disability (TPD) discharge of his Federal Family Education Loan (FFEL), Perkins Loans, William D. Ford Federal Direct Loan (Direct Loan), or formation teachers for assistance in college and higher education (TEACH) Grant service obligation. In addition, loans are not repaid by the government, they are forgiven, all you have never borrowed, then it does not affect your credit record to the extent which to raise your credit score or lower.