Work in public service? Get your federal student loans completely forgiven after just 120 qualifying payments. We'll help you navigate the complex PSLF process.
All four requirements must be met to qualify for Public Service Loan Forgiveness. We'll help you understand and meet each one.
You must work full-time for a qualifying public service organization while making your 120 payments.
Full-time requirement: At least 30 hours per week or what your employer considers full-time, whichever is greater.
Only federal Direct Loans are eligible for PSLF. Other loan types may need to be consolidated first.
Have FFEL or Perkins loans? You can consolidate them into a Direct Consolidation Loan to make them eligible for PSLF.
You must be enrolled in a qualifying repayment plan to make eligible payments toward PSLF.
Pro tip: IDR plans often result in lower monthly payments, maximizing your potential forgiveness amount.
You must make 120 qualifying monthly payments (10 years) while meeting all other requirements.
Track your progress: Submit Employment Certification Forms annually to ensure you're on track for forgiveness.
Millions of public service workers qualify for PSLF across various industries and roles
Teachers, principals, counselors at public schools
Doctors, nurses, therapists at public hospitals
Public defenders, prosecutors, government attorneys
Police officers, firefighters, emergency responders
Social workers, case managers at non-profits
Federal, state, local government employees
Librarians at public libraries and institutions
501(c)(3) organizations serving public good
Our PSLF experts will review your employment, loans, and payment history to determine your eligibility and help you get on track for forgiveness.
We guide you through every step of the PSLF journey, from initial setup to successful loan forgiveness. Our proven process maximizes your chances of approval.
Complete review of your employment history, loan types, and payment records to identify PSLF eligibility.
Consolidate ineligible loans, switch to qualifying repayment plans, and optimize your loan structure for PSLF.
File Employment Certification Forms to verify qualifying employment and track your progress toward forgiveness.
Monthly tracking of qualifying payments and annual employment certifications to stay on track.
Submit your final PSLF application after 120 payments and receive complete loan forgiveness.
Annual form to verify qualifying employment and track payment progress.
Final application submitted after completing 120 qualifying payments.
Converts FFEL and Perkins loans into eligible Direct Loans.
Enrolls you in income-driven repayment plans for lower payments.
Initial eligibility review and loan optimization
Submit Employment Certification Form
60 payments completed, 60 remaining
Submit final PSLF application for complete forgiveness
Track your progress and catch issues early
Maximize forgiveness with lower monthly payments
Document employment and payment history
Convert ineligible loans to Direct Loans immediately
Verify qualifying payment counts regularly
Don't wait until 120 payments - file annually
Standard 10-year plan reduces forgiveness potential
These don't qualify unless consolidated
Must work full-time (30+ hours) for qualifying employer
We've helped hundreds of public service workers successfully navigate PSLF and achieve complete loan forgiveness