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RESOURCE ARTICLES

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An Office of the U.S. Department of Education

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 * News & Updates
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 * FAFSA® Tips
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 * 
 * Take Advantage of the Public Service Loan Forgiveness Waiver by Oct. 31
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TAKE ADVANTAGE OF THE PUBLIC SERVICE LOAN FORGIVENESS WAIVER BY OCT. 31

Financial Aid•Loan Repayment•News & Updates3 minutes


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Featured LoanForgiveness PSLF StudentLoans



Until Oct. 31, 2022, federal student loan borrowers can get credit for payments
that previously didn’t qualify for Public Service Loan Forgiveness (PSLF) or
Temporary Expanded Public Service Loan Forgiveness (TEPSLF).

Under the limited PSLF waiver, you can get credit for past payments even if you

 * didn’t make the payment on time,
 * didn’t pay the full amount due, or
 * weren’t on a the right repayment plan.

Here’s what you can do to take advantage of the limited PSLF waiver.


CONFIRM YOUR EMPLOYER IS QUALIFIED.

You must work for a qualified employer in order to get PSLF credit. The waiver
hasn’t changed this requirement. Check if your employer is certified by using
our PSLF Help Tool.

Note: You must be logged in to your StudentAid.gov account to use the PSLF Help
Tool.

To get started, you’ll need either your most recent W-2 or your employer’s
Federal Employer Identification Number. To move through the PSLF Help Tool with
ease, read “Becoming a PSLF Help Tool Ninja” before starting.

Along with certifying your employer, the PSLF Help Tool will walk you through
the qualifications for PSLF and TEPSLF and generate the forms you’ll need to be
considered for qualification.


CONSOLIDATE YOUR LOANS IF YOU NEED TO.

To be considered for the limited PSLF waiver, you must have a Direct Loan. If
you don’t, you have until Oct. 31, 2022, to consolidate your loans into a Direct
Loan.

Consolidation is when any or all of your federal student loans are combined,
giving you one monthly payment. Check out our consolidation loan application to
find out what you’ll need in order to apply.

Keep in mind that there are pros and cons to consolidating. Learn what
consolidating would mean for you before taking action.

If you’re unsure of the status of your loan(s) or loan type(s), log in and check
your Aid Summary for an overview.


UNDERSTAND WHAT THE PSLF WAIVER CHANGES.

Our announcement explains how the limited PSLF waiver works and provides answers
to frequently asked questions. But you can check out the table below for a quick
summary of some key differences.

Normal PSLF RequirementsIncluded in Limited PSLF Waiver Until Oct. 31Direct Loan
payments onlyPayments on Direct, Perkins, or FFEL LoansPayments through Standard
or income-driven repayment plans onlyPayments through any repayment plan
(including Graduated, Extended, and others)Full, on-time payments onlyLate or
partial paymentsMust be employed full-time by a qualified employer at the time
of applying for forgivenessCan get forgiveness if not employed by a qualifying
employer at the time of applying for forgivenessPeriod of service for Teacher
Loan Forgiveness (TLF) can’t also count toward PSLFPeriod of service for TLF can
count toward PSLF, as long as you certify employment for that period


DON’T DELAY!

Oct. 31 may seem far away, but don’t wait until the last minute! Give yourself
plenty of time to prepare your PSLF form and/or to apply for consolidation. Keep
in mind that processing your PSLF form and/or consolidation will take time, too.

This waiver is a big change to the current PSLF process, so we ask for your
patience over the next several months. We are working hard to provide you with
updated application statuses and answers to your questions.

For more information, check out the following resources. You can always reach
out to your loan servicer with any questions or concerns.

 * PSLF waiver information
 * PSLF information
 * PSLF application
 * PSLF Q&As




POST NAVIGATION

PLUS Loans: What to Do if You’re Denied Based on Adverse Credit History
Become a Public Service Loan Forgiveness (PSLF) Help Tool Ninja


--------------------------------------------------------------------------------


CATEGORIES

 * FAFSA® Tips
 * Financial Aid
 * Loan Repayment
 * News & Updates
 * Tips for Success


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