Public Student Loan Forgiveness (PSLF) Program

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PSLF is one of the most popular loan forgiveness programs, because it forgives the remaining balance on loans for borrowers who choose to work for the government or for a qualifying non-profit organization. FSA has a PSLF Help Tool to help you determine if you meet all the qualifications. To qualify, a borrower must:

  • Have the correct type of loans.
  • Make 120 qualifying payments under a qualifying repayment plan.
  • Work full-time (30 or more hours a week) for a qualifying employer or part-time at multiple qualifying employers that add up to 30 or more hours.

Borrowers are encouraged to complete the Employment Certification Form (PDF) annually to ensure initial eligibility for the program and to monitor continued progress towards program completion. Once the 120 payments have been completed, the borrower completes the PSLF Application (PDF) to have their remaining balance forgiven. The program has very specific requirements, so the best way to ensure you are on track is to complete the Employment Certification Form.



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