As far as I am aware DoE can discharge any loans they originate (subsidized, subsidized and PLUS loans). Between sub and unsub that covers up to ~$18k/year, me

As far as I am aware DoE can discharge any loans they originate (subsidized, subsidized and PLUS loans). Between sub and unsub that covers up to ~$18k/year, meanwhile only 1 in 10 student end up with over $40k total. PLUS loans are probably closer to private loans in obligation as parent loans can cover multiple children. In my client's case it was >$100k of parent PLUS loans, discharged under TPD. Statistics suggest TPD could apply to as many as 20% of borrowers. Again this number will only increase as baby boomers get older. I don't know if "small fraction" is a fair description or not of 20%, but that would still mean >$12B of parent plus loans alone are eligible for discharge under DoE TPD. One problem I experience first hand as a lawyer is potential clients who actually are eligible but they don't believe it. Worse they think it is some type of scam, because they believe it is impossible to discharge student loans. Something tells me if I discharged >$100k in student loans for a parent as a SV startup rather than in my capacity as a lawyer, I might be hailed as disrupting student loan debt rather than lucky.