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Public Service Loan Forgiveness

(10 year program)

www.StudentAid.gov/publicservice

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11/26/2025 Update for those on the Save Plan Forbearance here

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Getting Started

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Graduate
Calculate Savings

Step 1: Log in to studentaid.gov 

 

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​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

Working

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

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Box Elder

Ogden

Weber


Weber State

Jordan

Canyons

Maria Montessori 

DaVinci Academy
 

Income-Driven Payment Plan

Step 4:  Get on an income-driven repayment plan​

UPDATE: Automatic IDR recertification of income and family size now available

FPL Chart
2024 
2025

Step 5: Track your Progress toward PSLF

Guide on how to track your payments is here
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payment tracker.JPG

Apply

Step 6: Apply for Forgiveness

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After 120 qualifying payments complete the PSLF form (step 3) again. Online is preferred over filling out PDF manually.

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Resources​

Signing a Contract
                                
                                                               
Alternative for those leaving non-profit organizations here
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