Hi. I just looked this up and the federal student loan website says that this lookback period goes on for three years. I hate to discourage you further but even if you do successfully keep your TandP status, you will receive a federal tax form 1099-C that you must report when you file your income taxes. Essentially, any amount discharged in this manner is subject to income taxes. You can google student loan discharge disability to review this information. You should probably try to get some advice from a professional about your situation.