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PUBLIC SERVICE LOAN FORGIVENESS (PSLF)

You may be eligible to receive loan forgiveness of the remaining balance of your Direct Loans * under the Public Service Loan Forgiveness (PSLF) Program if you:

  • Are employed by:
    • a federal, state, or local tribal government organization — this includes the U.S. military;
    • a nonprofit organization that is tax-exempt under Section 501(c)(3) of the Internal Revenue Code; or
    • a nonprofit organization that is not tax-exempt under Section 501(c)(3) of the Internal Revenue Code if it provides certain types of qualifying public services.
    Please note that if you are a contractor, your employment doesn’t count toward PSLF unless you are directly employed by a qualifying employer.
  • Work full-time according to your qualifying employer’s definition of full-time or at least 30 hours per week, whichever is greater. If you are employed in more than one qualifying part-time job at the same time, you will be considered full-time if you work a combined average of at least 30 hours per week with your employers.
  • Make 120 qualifying payments or the equivalent (or receive credit for payments, such as during the COVID-19 payment pause).
  • Have Direct Loans or consolidate other federal student loans into a Direct Loan. *

Learn more by using the PSLF Help Tool to see whether you might qualify and to apply for PSLF electronically, or you can download the Public Service Loan Forgiveness (PSLF) and Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF form).

Important Limited PSLF Waiver

On October 6, 2021, the U.S. Department of Education’s office of Federal Student Aid (FSA) announced a temporary period during which borrowers may receive credit for payments that previously did not qualify for PSLF or TEPSLF. This change will apply to student loan borrowers with Direct Loans, those who have already consolidated into the Direct Loan Program, and those who consolidate into the Direct Loan Program by October 31, 2022.

Learn more about how this limited PSLF waiver may impact your loans. Act soon – the waiver ends October 31, 2022. You can also contact us with questions.

*Any loan received under the William D. Ford Federal Direct Loan (Direct Loan) Program qualifies for PSLF.

Loans from these federal student loan programs don't qualify for PSLF: the Federal Family Education Loan (FFEL) Program and the Federal Perkins Loan (Perkins Loan) Program. However, they may become eligible if you consolidate them into a Direct Consolidation Loan.

Student loans from private lenders do not qualify for PSLF.

Under normal PSLF Program rules, if you consolidate your loans, only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for PSLF. Any payments you made on the loans before you consolidated them don’t count. However, if you consolidate these loans into a Direct Consolidation Loan on or before October 31, 2022, you may be able to receive qualifying credit for payments made on those loans through the limited PSLF waiver.Learn more.

FSA’s PSLF Help Tool will recommend whether you should consider consolidating some or all of your loans.

You've Got Options If You Were Denied PSLF

If your application for Public Service Loan Forgiveness (PSLF) was denied, you may be able to receive loan forgiveness under the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) opportunity.

As part of this opportunity, the Department of Education reconsiders your eligibility using an expanded list of qualifying repayment plans.

Important Limited PSLF Waiver

On October 6, 2021, the U.S. Department of Education’s office of Federal Student Aid (FSA) announced a temporary period during which borrowers may receive credit for payments that previously did not qualify for PSLF or TEPSLF. This change will apply to student loan borrowers with Direct Loans, those who have already consolidated into the Direct Loan Program, and those who consolidate into the Direct Loan Program by October 31, 2022.

Learn more about how this limited PSLF waiver may impact your loans. Act soon – the waiver ends October 31, 2022. You can also contact us with questions.

This TEPSLF opportunity is temporary, has limited funding, and will be provided on a first-come, first-served basis. Once all of the funds are used, the TEPSLF opportunity will end.

Visit StudentAid.gov/tepslf for detailed information on how to be reconsidered for loan forgiveness. While there, you can also access the PSLF Help Tool to apply electronically or download the Public Service Loan Forgiveness (PSLF) and Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF form).

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