Get ED Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification &

If you work with a federal, state, local, or tribal government, you are eligible for the PSLF. This can be any role within the government organization - from assistant to mayor. You must be a full time employee of the government, so 1099 contractors don't count.

Eligible Loans 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.

To maximize your PSLF benefit, repay your loans on the Income-Based Repayment (IBR) Plan, the Pay As You Earn Repayment Plan, or the Income Contingent Repayment (ICR) Plan, which are three repayment plans that qualify for PSLF. PSLF is best under IBR, Pay As You Earn, or ICR.

Like other Direct Loans, Direct PLUS Loans are eligible for PSLF. ... Note: PLUS loans made to graduate and professional students (as well as Direct Consolidation Loans that repaid PLUS loans made to graduate and professional students) may be repaid under any of the income-driven repayment plans.

6. Staying on a deferment or forbearance. When you are in deferment or forbearance, you don't get credit toward the 120 payments you need to qualify for PSLF. Every month you stay on deferment or forbearance, you're pushing back your forgiveness date.

There are no income limits for the PSLF program. However, if your income is high relative to the balance of your student loans, you might not qualify for an income-driven repayment plan.

suspended monthly payments will count toward Public Service Loan Forgiveness (PSLF) as if you continued to make regular monthly payments. You can think of them as $0 payments. You'll need to submit an Employment Certification Form to receive credit for your employment during the suspension of payments.

If you're working full-time for an eligible employer during the forbearance period, then each suspended payment counts toward PSLF. Additionally, unpaid interest won't be capitalized during or after the forbearance period, according to the U.S. Department of Education.

Pursuing Teacher Loan Forgiveness and PSLF is possible Unfortunately, you can't double up on both forgiveness programs at the same time. In other words, your payments for Teacher Loan Forgiveness won't count as qualifying payments toward PSLF.

Eligible Loans 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.