How do I apply for PSLF?

If you believe you have made 120 qualifying payments, you can apply for forgiveness of your remaining Direct Loan balance by filling out the application here.

While all 120 payments do not need to have been made consecutively, PSLF rules require that you work full-time for a qualifying employer at the time you made each of your 120 payments, as well as at the time you apply for forgiveness, and at the time you receive forgiveness. Therefore, the PSLF application for forgiveness includes a final employment certification. You'll also have to submit additional employment certification forms if you worked at other jobs while making your 120 payments (and haven't submitted those forms already). For more on these forms, see "How do I track my PSLF payments?" and for more on the PSLF eligibility requirements, see "How do I qualify?".

More information about the PSLF application process can be found on the Department of Education's Frequently Asked Questions page.

Income-Based Repayment and Pay As You Earn are two ways to help keep monthly payments affordable based on your income and family size. Visit the Department of Education’s Repayment Estimator to find out what your payments might be.

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