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Public Service Loan Forgiveness

Public Service Loan Forgiveness (PSLF) Update
On Oct. 6, 2021, the U.S. Department of Education announced a temporary period during which borrowers may receive credit for months in repayment that previously did not qualify for PSLF or TEPSLF. This includes borrowers with FFELP loans who consolidate into the Direct Loan Program by October 31, 2022. For more information on this time-limited opportunity and how it may impact your loans, please visit https://studentAid.gov/pslfwaiver.

  • This waiver is only available through Oct. 31, 2022.
  • If you have already submitted a PSLF form, you are already opted into the waiver. FSA will work with the current PSLF servicer, MOHELA, to review and update your payment counts. It may take several months for FSA to complete the review. The only reason you need to submit another PSLF form is if you need to certify past employment periods that were not included in your previous PSLF form. You need to submit the additional form by Oct. 31, 2022.
  • For additional information on PSLF, visit the PSLF Help Tool: https://studentaid.gov/pslf/

If you are employed by a government or not-for-profit organization, 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 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Learn how to apply online at https://studentaid.gov or visit the PSLF Help Tool - 
PDF of form available at Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF Form).

Federal Family Education Loans (FFEL), Perkins Loans, and private loans are not eligible for PSLF. You may consolidate FFEL and/or Perkins Loans into the Direct Loan program in order to take advantage of PSLF. Note: Any payments made on the loans before consolidation will not count as part of the 120 qualifying payments under PSLF. Only payments made on the new Direct Consolidation Loan will count towards PSLF. Loan consolidation provides access to additional forgiveness options and repayment plans but may result in the loss of certain benefits so we encourage you to visit https://studentaid.gov/manage-loans/consolidation to learn about the pros and cons of consolidating your loans.

You've Got Options If You Were Denied PSLF

If your application for Public Service Loan Forgiveness (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 of the funds are used, the TEPSLF opportunity will end.

The Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF Form) combines the employment certification form and the forgiveness application into one form. Borrowers will only need to submit this one form to certify employment or to be considered for forgiveness under PSLF or TEPSLF. Apply online or find more information about TEPSLF information on https://studentaid.gov or the PSLF Help Tool.