Nate Cressall Agency
Public Service Loan Forgiveness
(10 year program)
www.StudentAid.gov/publicservice
04/03/2026 Update on Income-Driven Repayment plans - especially SAVE here
11/26/2025 Update for those on the Save Plan Forbearance here
Getting Started
Step 2: Make sure you have Direct loans
If your loans are NOT Direct loans, you will need to consolidate the
non-direct loans only
Certify Employment
Step 3: PSLF Form
Payments under the PSLF program will only count if you are employed with a qualifying employer. Employment will be verified by submitting the PSLF Form periodically. Guide here
Income-Driven Payment Plan
Step 4: Get on an income-driven repayment plan
UPDATE: Automatic IDR recertification of income and family size now available
Step 5: Track your Progress toward PSLF
Guide on how to track your payments is here
Apply
Step 6: Apply for Forgiveness
After 120 qualifying payments complete the PSLF form (step 3) again. Online is preferred over filling out PDF manually.
Resources
