FALL 2018

Navy magazine is distributed on Capitol Hill,the Pentagon and naval bases around the world. It provides information that impacts Sailors, their families and the Navy. Navy is published quarterly by the Association of the United States Navy (AUSN).

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29 Association of the United States Navy default, get some free help from national veteran orga- nizations or Veterans Education Success lawyers. Are You Eligible? Is Anyone You Know Eligible? e Department of Education and the Department of Veterans A•airs (VA) have teamed up to notify severely disabled veterans who have student loans that they may be eligible to have their federal student loans forgiven, tax-free. e Department of Education will be sending letters to veterans who may be able to apply for tax-free forgiveness of their student loans. e letters will say that they are from the Department of Education and Nelnet, the servicer administering the IU student loan forgiveness process. If you get a letter from someone else, beware because it could be a scam. e Department of Education and Nelnet manage a website,, to provide resources and more information on how to start your discharge application online. Even though it is a ".com" website, this is the website that Nelnet uses to help Department of Education Borrowers. You can trust this website. • is is a free service and you do not have to pay any fees for the application. • Ignore any services claiming they can help you to get your student loans forgiven for a fee, as they are scams. • Free lawyers are available to help you at Help@ VeteransEducationSuccess.Org If You Get One of These Letters • Apply online at (if you received the letter, you do not have to submit documentation of your service-connected disability since the Department of Education already has obtained this information from the VA). • You can call Nelnet seven days a week at 1-888- 303-7818 from 8 a.m. to 8 p.m. Eastern Time or email for any questions or to get the process started. Once the Department of Education receives your application, they will instruct the bank or other loan holder to suspend collection activity on your current student loans for 120 days while your application is being reviewed to determine if you qualify for student loan forgiveness. Good news – you can even get back payments you already made! When your student loans are forgiven, your loan servicer must refund all loan payments made ašer the e•ective date of the VA's determination of your service-connected disability. If you have questions about TPD or the process, feel free to reach out to your student loan servicer for more information. If You Are Eligible but Didn't Receive a Letter • e Department of Education will work with the VA to conduct a new match of veterans with severe disabilities with the student loan database to identify more borrowers that may be eligible. Veterans will receive notices on a staggered basis each quarter. • If you or someone you know may be eligible for TPD student loan forgiveness and haven't received a notižcation letter, you can žnd more information or start a TPD student loan forgiveness application at, following the steps above. You will have to provide evidence of your service-connected disability online. Tell Us If You Are Designated IU by the VA AND in Default on Your Student Loans If you have been determined to be Individually Unem- ployable (IU) by the VA and you are in default on your student loans - YOU HAVE RIGHTS. e Depart- ment of Education should have notižed you of them BEFORE you defaulted on your student loans. If this happened to you, please reach out to Mike Saunders at Veterans Education Success (mikesaun-, cell: 703-597- 9423). We want to help you get your money back and force the Department of Education to do a better job of notifying veterans of their rights. is should not have happened to you! is article was submitted by Veterans Education Success, an organization that aims to "protect and defend the integrity and promise of the GI Bill and other federal education programs for veterans and servicemembers." GUEST COLUMN

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