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- Loan Forgiveness
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The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by June 30, 2023, payments will resume 60 days after that.
Frequently Asked Questions:
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Do I need to make consecutive payments to qualify for PSLF?
No. The 120 payments do not have to be consecutive payments. For example, if you have a period of employment with a non-qualifying employer, you won’t lose credit for prior qualifying payments you made. However, a payment can be counted only if you are employed full-time by a qualifying employer at the time you make the payment.<
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What types of public service jobs will qualify me for loan forgiveness under the PSLF Program?
The specific job that you perform doesn’t matter, as long as you’re employed by a qualifying employer. For example, if you’re a full-time employee of a public school system, your employment would meet the requirements for PSLF, regardless of your position (teacher, administrator, support staff, etc.).
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I am a teacher who does not teach over the summer break. If I make payments during the summer, do those payments count toward PSLF?
Payments you make during the summer will count if you have a contract for an employment period of at least eight months and you work an average of 30 hours per week during that period, and if your employer still considers you to be employed full-time during the summer break. Of course, the payments must otherwise meet all PSLF requirements. In this circumstance, your employer should include the dates of the summer break when reporting your dates of employment on the PSLF form, even though you aren’t actually teaching during that period.
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What if I make my last qualifying payment while working for a qualifying employer, but then leave that job to work for a for-profit corporation before applying for the PSLF benefit. Am I still eligible for PSLF?
No. To be eligible for forgiveness after making 120 qualifying payments, you must be employed full-time by a qualifying employer at the time you make each qualifying payment, at the time you apply for loan forgiveness, and at the time you receive loan forgiveness. Therefore, if you leave your job at a qualifying employer after meeting the PSLF eligibility requirements but before you apply for loan forgiveness, you will not be eligible for forgiveness since you must be working for a qualifying employer at the time you apply for and receive forgiveness. However, you could regain eligibility if you later find full-time employment at another qualifying employer and then apply for loan forgiveness.
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I made qualifying PSLF payments on my Direct Loans and then consolidated those loans. Do the payments I made before consolidation still count toward PSLF?
No. If you make qualifying PSLF payments on a Direct Loan and then consolidate that loan, you’ll lose credit for the PSLF payments. You’ll need to start over and make 120 qualifying payments on the new Direct Consolidation Loan. For this reason, if you’ve made qualifying PSLF payments on your Direct Loans and you’re thinking of consolidating those loans into a Direct Consolidation Loan along with loans you received under other federal student loan programs, you should leave your Direct Loans out of the consolidation and consolidate only your loans from other federal student loan programs.
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Are private education loans eligible for PSLF?
No. Private education loans aren’t eligible for PSLF and can’t be consolidated into a Direct Consolidation Loan.
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Are Direct Loans that are in default eligible for PSLF?
No. Defaulted Direct Loans are not eligible for PSLF. However, a defaulted loan may become eligible for PSLF if you resolve the default. Learn how to get your loan out of default.
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Are Direct PLUS Loans eligible for PSLF?
Yes. Direct PLUS Loans are made to graduate or professional students and to parents of dependent undergraduate students. Like other Direct Loans, Direct PLUS Loans are eligible for PSLF. However, there are additional factors to consider if you are a parent who has taken out a PLUS loan.
Start the PSLF Application Here
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Once you have spoken to your Loan Servicer, you certify under penalty of perjury under the laws of the United States of America that all of the information provided within this form is true and correct:
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