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Public Service Loan Forgiveness (PSLF)

If you are employed by a federal, state, or local government agency, entity, or organization; a religious organization that engages in religious instruction, worship services, or proselytizing; or a not-for-profit organization that has been designated as tax-exempt by the Internal Revenue Service (IRS) under Section 501 (c)(3) of the Internal Revenue Code (IRC), you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program.

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 (10 years) qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Learn more by using the PSLF Help Tool to see whether you might qualify. While on StudentAid.gov, you can also download the Public Service Loan Forgiveness (PSLF) and Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF form).

Learn more to see whether you might qualify.

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.

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


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