
Public Service Loan Forgiveness
(10 year program)
www.StudentAid.gov/publicservice
Borrowers who work in public service will have an opportunity to have their payment count potentially increase under a one-time account adjustment as long as they submit a consolidation application by 12/31/2023. Having "Direct" loans is crucial for the PSLF program. Learn more here
Getting Started

Step 2: Make sure you have Direct loans
If your loans are NOT Direct loans, you will need to consolidate them
Certify Employment
Step 3: Fill out and Submit PSLF Form
Your 120 total payments under the PSLF program will only count if you are employed with a qualifying employer while making payments. Employment will be verified by submitting the PSLF form periodically to MOHELA. We recommend submitting annually so that your payment count can update on MOHELA's website. A guide is here to
Income-Driven Payment Plan
Step 4: You must be on an income-driven repayment plan
You will need to complete your re-certification online each year
(Automatic IDR recertification of income and family size coming in 2024)
Student loan borrowers can get lower payments from the new SAVE Plan. If you sign up for the REPAYE Plan now, you will automatically be enrolled in the SAVE Plan before payments resume
Want to wait until October 2024 to make payments? Check out this from The White House
Apply
Step 5: Apply for Forgiveness
After 120 qualifying payments fill out the application for loan forgiveness
