Public Service Loan Forgiveness
You may either scroll through this page, or click on any of the following links to go directly to a specific topic:
In 2007, Congress created the Public Service Loan Forgiveness (PSLF) program. The PSLF program forgives the remaining balance of a federal loan borrower’s Direct Loans after they have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.
To be eligible for PSLF, borrowers must meet the following criteria:
- Be employed full-time by a qualifying employer
- Have Direct Loans or Direct Consolidated Loans
- Make 120 qualifying monthly payments while working for a qualifying employer
- Be on an Income-Driven Repayment (IDR) plan
Borrowers can use the PSLF Help Tool to complete the PSLF application. The PSLF application consists of several pages, which includes information about a borrower’s loans, their demographic information, employment certification forms, and terminology for PSLF.
The PSLF Help Tool helps borrowers with the following:
- Understand more about PSLF and Temporary Expanded PSLF (TEPSLF)
- Assess whether they work for a qualifying employer; and
- Navigate the steps needed to receive loan forgiveness under PSLF or TEPSLF
The Department of Education’s frequently asked questions (FAQ) page provides borrowers more details about the PSLF application, qualifying employment, eligible student loans, different repayment plans and more!
Upon completion of the application, borrowers must submit the application in one of three ways:
- Secure Upload via MOHELA, if MOHELA is already the borrowers loan servicer
- Mail the application to: U.S. Department of Education, MOHELA, 633 Spirit Drive, Chesterfield, MO 63005
- Fax the application to: 866-222-7060
Agencies and organizations can request a PSLF presentation explaining PSLF and the application process. If you would like to request a presentation, complete our PSLF Request Form.
To determine if you work or have worked for a qualifying employer, use our PSLF: Do I work for a qualifying employer? flowchart.
For questions on the PSLF program or getting started, borrowers can contact ISAC’s Professional Development team at email@example.com.*
* PLEASE NOTE: Do not send your PSLF application to this e-mail address, given the sensitive nature of the information on the application. Please note this e-mail address is only to help answer questions about the PSLF program and the process of applying. We are not designated to receive, certify, or process PSLF applications.
To access the recorded session as your schedule allows, select “View Recording”. You will be prompted to register to view the recording.