Public Service Loan Forgiveness
If you are employed by a government or not-for-profit organization, including religious organizations, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program.
The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 (10 years) qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.
FFELP borrowers may consolidate to Direct Loans to take advantage of programs such as PSLF.Learn More to See if You Might Qualify
Need help? There's a tool to assist you in completing the forms required for this program.Use the PSLF Help Tool on StudentAid.gov
Limited PSLF Waiver Opportunity
The U.S. Department of Education in October 2021 announced a temporary period through October 31, 2022, during which borrowers may receive credit for payments that previously did not qualify for PSLF or TEPSLF.Get additional information on Studentaid.gov >
You have options if you were denied PSLF
If your application for PSLF was denied, you may be able to receive loan forgiveness under the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) opportunity.
As part of this opportunity, the Department of Education reconsiders your eligibility using an expanded list of qualifying repayment plans.
This TEPSLF opportunity is temporary, has limited funding, and will be provided on a first come, first served basis. Once all funds are used, the TEPSLF opportunity will end.
Visit StudentAid.gov for detailed information on how to be reconsidered for loan forgiveness.