Public Service Loan Forgiveness
(10 year program)
Although the Limited PSLF Waiver ended on Oct. 31, 2022, borrowers who work in public service will have another opportunity to have their payment count increased under a one-time account adjustment announced by the Department of Education as long as they submit a consolidation application by May 1, 2023. Learn more about this opportunity.
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
Step 2: Make sure you have Direct loans
If your loans are NOT Direct loans, you will need to consolidate them
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.
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