Public Service Loan Forgiveness
The Public Service Loan Forgiveness (PSLF) program was designed to relieve the federal student loans of public service workers. However, for too long the program has been inaccessible to most borrowers.
To fix this, recent changes to the PSLF program will give hundreds of thousands of
people access to promised loan forgiveness.
On October 31, the Education Department closed the PSLF Waiver of certain PSLF program requirements to address long-standing issues with the program—but the Department has extended most of the benefits and protections of the waiver through another program called Income-Driven Repayment (IDR) Account Adjustment.
How PSLF Works
To access PSLF, public service workers with federal student loans need to certify with the U.S. Department of Education that they work full time for a government or non-profit employer. Some part-time workers are eligible, too. They do this using a simple form created specifically for this purpose, the PSLF Form, which requires the employer to confirm the past or ongoing employment. See our “Sample PSLF Form” for detailed information, guidance, and tips + tricks for easily filling it out.