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Public Service Loan Forgiveness

(10 year program)

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 04/30/2024. Having "Direct" loans is crucial for the PSLF program. Learn more here

Getting Started

Calculate Savings

Step 1: Log in to 


​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

FPL Chart

Want to wait until October 2024 to make payments? Check out this from The White House


Step 5: Apply for Forgiveness

After 120 qualifying payments fill out the application for loan forgiveness

How to check on qualifying payments at MOHELA here

Signing a Contract



1. To qualify for PSLF, I must have made 120 qualifying payments on my Direct Loans while employed full-time by a
qualifying employer or employers. Neither the 120 qualifying payments nor employment have to be consecutive.

2. To qualify for PSLF, I must be employed full-time by a qualifying employer when I apply for and receive PSLF.
3. By submitting this form, my student loans held by the Department will be transferred to MOHELA.
4. If the Department determines that I appear to be eligible for forgiveness, the Department may contact my employer
before granting forgiveness to ensure that I continue to work for the employer.

5. If I am eligible for forgiveness, the amount forgiven will be the principal and interest that was due on my eligible Direct
Loans when I made my final qualifying payment. Any amount that I pay on those loans after I have made my final
qualifying payment will be treated as an overpayment. I must continue to make payments on any of my other loans.

6. If I am not eligible for forgiveness, I will be notified of the determination and why it was made, my forbearance will end,
and unpaid interest may be capitalized (added to my loan's principal balance).

                                                                Alternative for those leaving non-profit organizations here
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