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All right so we're gonna start with discharges, so it discharges aren't they're not so much restoring the loan to good standing as they are eliminating the loan complete now I don't want to get people's hopes up these discharges are real they are limited in terms of their eligibility criteria, so I'm going to go through all of these the reason why I have them up here first is because for many borrowers who are in default it makes sense to just at least do a cursory initial review of the borrowers discharge options the loan can be discharged their lien no reason to pursue rehabilitation or consolidation if the loan can just be eliminated all together through an administrative discharge, so it's a good first step to take a look at this and see if the borrower might qualify for any of these I do want to be clear that even though I'm talking about this in the context of federal loan default these administrative discharges are not limited to borrowers who are in default on their own these discharge options are available to borrowers who are in good standing as well so even if you get a borrower who is not in default, and you think they might be eligible for discharge it's still Mike with pursuing either in conjunction with an income judgment plan or something along those lines or not, but these discharge options are available for borrowers regardless of their loan steps so disability discharge is a big one, and it's a tough discharge to get historically the Department of Education hasn't made it measurably better in terms of getting relief under this option, and they're slowly but continuing to try to improve the process here the main standard is list borrower must show that they are totally and permanently disabled for either the past five years or expect it to be totally permanently disabled for the next five years or must result in death and be termed and that disability must prevent them from obtaining any substantial gainful employment now tactically that doesn't mean that the borrower can't work at all they're able to work a little they just have to not be able to earn you know more than poverty realistically however they're much more likely to get the discharge if they are unable to work out there are three main ways that the borrower can show this it used to be that the only way to show it I wish through a physician's certification the borrower's medical doctor needed to certify on a form that the borrower met the standard as set forth in the regulations that they are totally and permanently disabled they can still do it that way borrowers can still submit a physician certification it's a separate part of the application the doctor provides all of their information as well as information about the disabling condition if we do the physician certification I usually have the borrower supplement the application with additional medical records to kind of flesh out the application a bit, but that's still an option however in recent years the...
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