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Public Service Loan Forgiveness Program

What is Public Service Loan Forgiveness (PSLF) Program?

The Public Service Loan Forgiveness program is a government program that will forgive the remaining balance of a Direct loan (student loan) if you work full time for a qualified employer.

Do I qualify for this program?

You must meet all of the qualifications below to participate in this program:

  • Have a Direct Loan (a type of federal student loan) or consolidate your loans into a Direct Consolidation Loan
  • Make all of your payments so far under a qualifying repayment plan
  • Have at least 10 years of full-time employment certified by a qualifying employer. (A qualified employer is usually a government or a non-profit organization)
  • Meet all of the qualifications for the amount you paid 12 months prior to applying for the program.
  • Make 120 qualifying payments while working full-time for a qualified employer.

To see if you qualify for this program, click here.

I qualify for this program! What should I do next?

Fill out a PSLF form periodically or every time you change qualified employers so that it is easier to track and get accepted after 10 years. For more information on this, click on this link.

I want more information on this program.

For more information on the Public Service Loan Forgiveness Program or if you have more questions about if you qualify, visit or click on this link.

If some or all of your payments were not made on a qualifying repayment plan, you may still qualify for the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) program. For more information on this, click on this link.

Temporary Changes

Temporary changes were made that provided borrowers of a Direct Loan flexibility to receive loan forgiveness through the PSLF Program by allowing borrowers to receive credit for past periods of repayment that would otherwise not qualify for the PSLF Program due to the negative effects of the COVID-19 pandemic. The temporary changes also allowed multiple federal education loans to be consolidated into one Direct Loan. This means that someone who was not eligible to have their loans forgiven may now be eligible. These temporary changes will end October 31, 2022, and eligibility for loan forgiveness is the same as required by regulations before the pandemic. For more information about this temporary change, click here.