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  4. How to Qualify for Federal Student Loan Debt Forgiveness

Interested in shedding some federal student loan debt? If you plan things just right, there’s a strategy that may work for you. It’s called the Public Service Loan Forgiveness program.

Qualifying for Public Service Loan Forgiveness is not about your job, it’s about who your employer is. In order to qualify for Public Service Loan Forgiveness, you must work for a “public service” employer.

Here are the requirements:

  • You must work full-time for a public service employer—a government agency or a non-profit organization. (Not all non-profits qualify.)
  • You must have a qualifying loan and a qualifying repayment plan. (You can restructure both so they meet the requirements.)
  • You must make 120 qualifying payments, all while meeting the points above.

Read this Department of Education blog post for a step-by-step explanation of how to qualify for each requirement.

Forgiveness, Cancellation, and Discharge Charts

Public Service Loan Forgiveness (PSLF) Help Tool
The PSLF Help Tool will

  • help you understand more about the PSLF Program and what you need to do to participate and possibly have your loans forgiven;
  • help you assess whether your employer qualifies for PSLF;
  • help you assess whether your loans qualify for PSLF;
  • help you decide which PSLF form to submit; and
  • use the information we have about your federal student loans to explain other actions you should or must take if you want to receive PSLF.

At this time, the PSLF Help Tool will not allow you or your employer to electronically sign the forms that the tool will generate for you. Therefore, to complete the PSLF Help Tool process, you will need to print the PDF document that the tool generates, sign it yourself, have your employer sign it, and then submit the form to FedLoan Servicing as instructed on the printed PDF document.

pdfPublic Service Loan Forgiveness Application

pdfPublic Service Loan Forgiveness Employment Certification Form

docxPublic Service Loan Forgiveness Resources

pdfPublic Service Loan Forgiveness Resources - PDF Version


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