
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 (previously May 1, 2023). Having "Direct" loans is crucial for the PSLF program. Learn more here
Getting Started

Step 1: Log in to studentaid.gov
In late 2019 the government combined content and features from StudentLoans.gov, fsaid.ed.gov, and nslds.ed.gov. These features are all consolidated now at studentaid.gov
Direct Loans?
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 you are making payments. Employment will be verified by sending in this re-certification form periodically. We recommend doing each year.
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.
Apply
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
