Public Service Loan Forgiveness (PSLF)

You may be eligible to receive loan forgiveness of the remaining balance of your Direct Loans* under the Public Service Loan Forgiveness (PSLF) Program if you:

  • Are employed by
    • a federal, state, local, or tribal government organization—this includes the U.S. military;
    • a nonprofit organization that is tax-exempt under Section 501(c)(3) of the Internal Revenue Code; or
    • a nonprofit organization that is not tax-exempt under Section 501(c)(3) of the Internal Revenue Code if it provides certain types of qualifying public services.
    Please note that if you are a contractor, your employment doesn't count toward PSLF unless you are directly employed by a qualifying employer.

    Wondering if your employer meets the criteria above? Use the StudentAid.gov PSLF employer search Offsite to help determine if your employer may qualify you for PSLF.

  • Work full-time according to your qualifying employer's definition of full-time or at least 30 hours per week, whichever is greater. If you are employed in more than one qualifying part-time job at the same time, you will be considered full-time if you work a combined average of at least 30 hours per week with your employers.
  • Make 120 qualifying payments or the equivalent (or receive credit for payments, such as during the COVID-19 payment pause).
  • Have Direct Loans or consolidate other federal student loans into a Direct Loan.*

Learn more by using the PSLF Help Tool to search for a qualifying employer, learn what actions you may need to take to become eligible for PSLF or Temporary Expanded Public Service Loan Forgiveness (TEPSLF), and generate a PSLF form.

* Any loan received under the William D. Ford Federal Direct Loan (Direct Loan) Program qualifies for PSLF.

Loans from these federal student loan programs don't qualify for PSLF: the Federal Family Education Loan (FFEL) Program and the Federal Perkins Loan (Perkins Loan) Program. However, they may become eligible if you consolidate them into a Direct Consolidation Loan. Please note: if you consolidate your loans, only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for PSLF. Any payments you made on the loans before you consolidated them don't count.

If you applied to consolidate your FFEL Program loans and/or Perkins Loans into a Direct Consolidation Loan by October 31, 2022, and timely submitted your PSLF form to MOHELA, be assured your PSLF form will be evaluated under the limited PSLF waiver rules. These time-limited changes to PSLF Program rules allow borrowers to receive credit for past periods of repayment that would otherwise not qualify for PSLF. This opportunity ended on October 31, 2022.

Student loans from private lenders do not qualify for PSLF.

PSLF Servicer

Servicing for the PSLF Program is managed by another federal student loan servicer (MOHELA Offsite ). If you enroll in PSLF, your eligible loans will be transferred from Great Lakes to the PSLF servicer. If your loans have already been transferred to the PSLF servicer, you can log in to their borrower portal to track your PSLF status and payment counts.

Limited PSLF Waiver: What Happens After the End of the Waiver October 31, 2022

The "limited PSLF waiver" refers to the time-limited changes to Public Service Loan Forgiveness (PSLF) Program rules that allowed borrowers to receive credit for past periods of repayment that would otherwise not qualify for PSLF. This opportunity ended on October 31, 2022 and beginning November 1, 2022, we went back to the normal program requirements for both PSLF Offsite and TEPSLF Offsite . If you submitted your PSLF form to MOHELA on time, be assured your PSLF form will be evaluated under the limited PSLF waiver rules.

You may be eligible to submit a PSLF form to MOHELA after October 31, 2022, and continue to qualify for the benefits of the waiver if you met certain criteria. For more information, visit StudentAid.gov/pslfwaiver Offsite