Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made 120 payments.
In 2007, Congress created the PSLF to encourage individuals to enter and continue to work full time in public service jobs. See the information below to find out if you may qualify!
You must have made 120 monthly payments on your eligible federal student loans after October 1, 2007 before you qualify for the loan forgiveness, the first cancellations of loan balances will not be granted until October 2017.
Any loan made under the Direct Loan Program. This includes:
Yes! You can consolidate other federal loans into a Federal Direct Consolidation Loan. However, only once the loans are consolidated into the Direct Consolidation Loan will your payments begin to count toward the 120 required payments. If you have already made 36 monthly payments on the other federal loans before consolidating into the Direct Consolidation Loan, those 36 payments will not count toward the required 120 payments.
The 120 required payments must be made under one or more of the following Direct Loan Program repayment plans:
For more information about the repayment plans available in the Direct Loan program, visit studentaid.ed.gov/repaying .
Emergency management, military service, public safety, law enforcement, public interest law services, early childhood education, public service for individuals with disabilities and the elderly, public health, public education, public library services, school library or other school-based services.
The U.S. Department of Education has created the Employment Certification for Public Service Loan Forgiveness form  and a process to help you monitor your progress toward making the 120 qualifying payments. You should complete the form, including your employer's certification of employment, and submit it to FedLoan Servicing , the PSLF servicer, at the address listed in Section 6 of the Employment Certification form.