Public Service Loan Forgiveness (PSLF)

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https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service

The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

To qualify for PSLF, you must

  • be employed by a U.S federal, state, local, or tribal government or not-for-profit organization. (federal service includes U.S. military service);

  • work full-time for that agency or organization;

  • have Direct Loans (or consolidate other federal student loans into a Direct Loan);

  • repay your loans under an income-driven repayment plan*; and

  • make 120 qualifying payments.

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