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Public Service Loan Forgiveness (PSLF)

If you work in public service, you may qualify for forgiveness of your remaining federal student loan balance after making 120 qualifying payments while employed full time by certain public service employers.

Eligible loans include Direct Stafford Loans (subsidized and unsubsidized), Direct PLUS Loans (for graduate or professional students), and Direct Consolidation Loans. Your required 120 payments can be made under the Income-Based, Income-Contingent, Pay As You Earn, or Revised Pay As You Earn repayment plans.

While the 10-year Standard Repayment Plan is also a qualifying plan and any certain payments you make under this plan count toward your required 120 payments, it generally requires full repayment within 10 years. You would therefore have no remaining balance left to forgive after making 120 qualifying payments. Payments made during deferments, forbearances, grace periods, or in-school status do not count toward the 120 qualifying payment requirement. Learn more about qualifying payments for PSLF.

If you have consolidated or plan to consolidate your federal student loans, consider how any qualifying payments you have made before consolidation will be impacted.

Learn more about Public Service Loan Forgiveness on the U.S. Department of Education’s website. To determine if you are eligible for the program based on your employment, complete the Employment Certification form (ECF) on their website and return it to the FedLoan Servicing address on the form.

If FedLoan Servicing determines your employment qualifies, your Direct Loans will be transferred to FedLoan Servicing. We will send you a letter if your loans will be transferred.

If you have questions about your Employment Certification form or the PSLF process, please call FedLoan Servicing at 855.265.4038.

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