Public Service Loan Forgiveness

(10 year program)

www.StudentAid.gov/publicservice

Big changes to the PSLF program were announced in October 2021! Step 3 is very crucial by October 31, 2022. Read more here

Getting Started

Calculate Savings
Graduation Car

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

Online Learning

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 district/agency while you are making payments.  Employment will be verified by sending in this re-certification form each year.

Box Elder
                   Ogden 
                                  Weber

                                                 WSU

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

Examples of qualifying payments:    1     2      3

Signing a Contract

Resources

Requirements
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 FedLoan Servicing.
 
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).
Source:  https://studentaid.ed.gov/sa/sites/default/files/public-service-application-for-forgiveness.pdf 
Alternative for those leaving non-profit organizations here