![]() You have to submit the application and get approved first. Just remember that you don’t automatically receive PSLF. You can complete your PSLF application online with the Department of Education’s PSLF Help Tool. ![]() Once you’ve made 120 qualifying payments, however, you need to complete and submit the “Public Student Loan Forgiveness: Application for Forgiveness.” ![]() This person is usually someone from your employer’s human resources department, but it could also be your direct supervisor or someone else authorized to certify your employment.īecause you have to make 120 qualifying monthly payments, it may take 10 years of repayment before you’re eligible for PSLF. The information on the form is used to determine whether your payments meet the qualification criteria.Īn official who has access to your employment or service records (and who your employer authorized) can certify your employment. This task is particularly important when changing employers, to make sure you’re on the right track toward PSLF eligibility. Submit a “Public Service Loan Forgiveness: Employment Certification Form” (ECF) every year, as you work toward making 120 qualifying payments. PSLF eligibility requirementsīorrowers must work full time for a United States federal, local or tribal government or nonprofit organization, have Direct Loans (or have consolidated their federal student loans into a Direct Loan), repay their loans under an income-driven repayment plan, and make 120 qualifying payments, to be eligible for PSLF. The program forgives the remaining balance on borrowers’ Direct Loans after making 120 qualifying monthly payments under a qualifying repayment plan. The Public Student Loan Forgiveness (PSLF) program is available to borrowers who are working full time for a qualifying employer. Get a Student Loan Plan What is PSLF and how does it work?
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