Public Service Loan Forgiveness

What is Public Service Loan Forgiveness (PSLF)?
How do I qualify?
How do I track my PSLF payments?
How do I apply for PSLF?

What is Public Service Loan Forgiveness (PSLF)?

Public Service Loan Forgiveness (PSLF) is a program for federal student loan borrowers who work in the public or nonprofit sector. It will forgive remaining debt after 10 years of qualifying loan payments, while you are working full-time in an eligible job. During those 10 years, income-driven repayment can help keep your loan payments affordable.

Only payments made after October 1, 2007 count for PSLF, so the earliest anyone can receive forgiveness is October 2017. Loan amounts forgiven under PSLF are not considered taxable income.

For more information about PSLF, see the pages linked above or visit the Department of Education's PSLF webpage and Frequently Asked Questions.

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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