JB Pritzker, Governor, State of Illinois

Public Service Loan Forgiveness

If you work or have worked in public service, recent temporary changes to the Public Service Loan Forgiveness Program (PSLF) could be beneficial to you. Because these changes are temporary, it’s important that you do not delay in getting the information you need about whether you are eligible for this forgiveness program. ISAC is offering webinars on PSLF and the temporary changes, and assistance to those who have questions or need help in determining their eligibility and applying for PSLF.

To determine if you work (or have worked) for a qualifying employer, use our PSLF: Do I work for a qualifying employer? flowchart.

The PSLF is a federal student loan forgiveness program that forgives the remaining balance on a borrower’s Direct Student Loans after the borrower has made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. If you are employed by a U.S. federal, state, local, or tribal government or not-for-profit organization, you might be eligible for PSLF.

To find out more about the general requirements for PSLF, visit the PSLF webpage on Studentaid.gov.

PSLF Limited Waiver

On Oct. 6, 2021, the U.S. Department of Education (ED) announced a change to program rules for a limited time as a result of the COVID-19 national emergency. Throughout the pandemic, ED has provided a variety of benefits to borrowers.

Now, for a limited period of time, borrowers may receive credit for past periods of repayment that would otherwise not qualify for PSLF.

Visit the PSLF Limited Waiver page on Studentaid.gov to find out more. Check out this helpful infographic from Federal Student Aid explaining how to receive PSLF under the Limited PSLF Waiver.

ISAC Can Help: Public Service Loan Forgiveness Webinars

Determining your eligibility for PSLF and the limited waiver can be confusing. ISAC is offering several webinars to help student loan borrowers understand the PSLF program and take advantage of the limited waiver if eligible.

Public Service Loan Forgiveness Webinar: Session Description/Dates

Did you know that public service employees may be eligible for Federal Student Loan forgiveness? The Public Service Loan Forgiveness (PSLF) program allows Federal Student Loan borrowers to apply for forgiveness if they are employed full time by a government, 501(c)(3) organization, or public-serving nonprofit, and meet other requirements.

If you want to learn more about PSLF or if you have applied for PSLF and been denied, this is the session for you. In this session, we will discuss the existing PSLF program as well as a new Limited Waiver for PSLF that will allow borrowers to receive credit for payments that previously did not qualify for PSLF. The Limited Waiver ends October 31, 2022, don’t miss out!

*Please note that due to Covid-19, all sessions are being held virtually until further notice.

Friday, September 9, 2022
1:00-2:00 p.m.
Public Service Loan Forgiveness
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Thursday, September 15, 2022
8:00-9:00 a.m.
Public Service Loan Forgiveness
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Wednesday, September 21, 2022
5:00-6:00 p.m.
Public Service Loan Forgiveness
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Monday, September 26, 2022
1:00-2:00 p.m.
Public Service Loan Forgiveness
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Would you like ISAC to provide a PSLF/Limited Waiver presentation for your organization? Complete and submit our presentation request form and we’ll get back to you within 2-3 business days.

Questions? E-mail ISAC.PSLF@Illinois.gov*


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.

Recorded Webinar

To access the recorded session as your schedule allows, select “View Recording”. You will be prompted to register to view the recording.

Public Service Loan Forgiveness
View Recording