Public Service Loan Forgiveness

If you’re employed by a government or not-for-profit organization, you might be eligible for the PSLF Program.  The PSLF Program forgives the remaining balance on your Direct Loans

• after you’ve made the equivalent of 120 qualifying monthly payments under an accepted repayment plan, and
• while working full-time for an eligible employer.

Find out more about Public Service Loan Forgiveness (PSLF) and Temporary Expanded Public Service Loan Forgiveness (TEPSLF) at StudentAid.gov/publicservice.

To be considered for PSLF, you only need to submit a PSLF form. The easiest way to do this is by using the PSLF Help tool. The PSLF Help Tool allows you to:  

• use the PSLF Employer Search to see if your employer qualifies for PSLF,  
• request that your employer’s PSLF Program eligibility be reviewed if not in the database,  
• prepare and sign your PSLF form, and electronically request certification and signature form your employer, or  
• generate your PSLF form for manual signature and submission if electronic submission is not possible. 

You may also access the PSLF form through the StudentAid.gov Forms Library. 

For more information about the TEPSLF opportunity, visit StudentAid.gov/TEPSLF.

Federal Family Education Loans (FFEL), Perkins Loans, and private loans don’t qualify for PSLF. However, FFEL and/or Perkins Loans may become eligible if you consolidate them into a Direct Consolidation Loan. Before you consolidate, we recommend you evaluate how the qualifying payments made on the loans that would be included in your consolidation loan will be credited to your consolidation loan. Visit the “Eligible Loans” section at StudentAid.gov/publicservice for more information.

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 StudentAid.gov/consolidation to learn about the pros and cons of consolidating your loans.