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U.S. Department of Education
Enrollment Period
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Public Service Loan Forgiveness (PSLF) forgives the remaining balance on federal Direct Loans for borrowers who have made 120 qualifying monthly payments while working full-time for a qualifying employer — federal, state, local, or tribal government organizations or eligible 501(c)(3) nonprofit organizations. Borrowers must be enrolled in an income-driven repayment plan and must submit annual Employment Certification Forms to track progress toward the 120-payment threshold. After 120 qualifying payments (10 years of full-time public service), the remaining balance is forgiven tax-free.
Answer each question — we'll show you exactly what applies to your situation.
Do you have federal Direct Loans?
Do you work full-time for a qualifying employer: government agencies or eligible 501 nonprofits?
Are you enrolled in a qualifying repayment plan?
Do you make 120 qualifying on-time monthly payments — payments do not need to be consecutive?
Are you part-time workers may?