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Submission: On April 15 via manual from US — Scanned from DE
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HomeManage LoansStudent Loan ForgivenessPublic Service Loan ForgivenessTemporary
Expanded Public Service Loan Forgiveness
IF SOME OR ALL OF YOUR PAYMENTS WERE NOT MADE ON A QUALIFYING REPAYMENT PLAN FOR
PSLF, YOU MAY BE ABLE TO RECEIVE LOAN FORGIVENESS UNDER A TEMPORARY OPPORTUNITY.
Learn more to see how to request consideration.
How do I qualify for TEPSLF?
Which form is used to apply for TEPSLF?
If my request for PSLF was previously denied, why would I be eligible under
TEPSLF?
How do I fill out and submit the PSLF form?
What do I do if my PSLF form is denied?
What additional information may be needed from me?
If I’m eligible for TEPSLF, how will I be informed and what will happen next?
If my eligible Direct Loans are forgiven under TEPSLF, will I need to pay income
tax on the forgiveness amount?
If I’m not eligible for TEPSLF, what should I do next?
Whom do I contact with questions about TEPSLF?
Disclosures
How do I qualify for TEPSLF?
Which form is used to apply for TEPSLF?
If my request for PSLF was previously denied, why would I be eligible under
TEPSLF?
How do I fill out and submit the PSLF form?
What do I do if my PSLF form is denied?
What additional information may be needed from me?
If I’m eligible for TEPSLF, how will I be informed and what will happen next?
If my eligible Direct Loans are forgiven under TEPSLF, will I need to pay income
tax on the forgiveness amount?
If I’m not eligible for TEPSLF, what should I do next?
Whom do I contact with questions about TEPSLF?
Disclosures
Alert! On Oct. 6, 2021, the U.S. Department of Education announced a temporary
period during which borrowers may receive credit for payments that previously
did not qualify for PSLF or TEPSLF. Learn more about this time-limited
opportunity.
The Consolidated Appropriations Act, 2018 provided limited, additional
conditions under which you may become eligible for loan forgiveness if some or
all of the payments you made on your William D. Ford Federal Direct Loan (Direct
Loan) Program loans were under a nonqualifying repayment plan for Public Service
Loan Forgiveness (PSLF). The U.S. Department of Education (ED) refers to this
opportunity as Temporary Expanded Public Service Loan Forgiveness (TEPSLF).
If you believe you qualify for the TEPSLF opportunity, it’s important to read
the information on this page and complete the PSLF form as soon as possible.
This opportunity is temporary, has limited funding, and must be provided on a
first come, first served basis. Once all of the funds are used, the TEPSLF
opportunity will end.
Use the PSLF Help Tool to help complete your Public Service Loan Forgiveness
(PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF
form)!
HOW DO I QUALIFY FOR TEPSLF?
To qualify for loan forgiveness under the TEPSLF opportunity, you must have
* made all of your payments under a qualifying repayment plan for TEPSLF;
* had at least 10 years of full-time employment certified by a qualifying
employer;
* met the TEPSLF requirement for the amount you paid 12 months prior to
applying for TEPSLF and the last payment you made before applying for TEPSLF
to be at least as much as you would have paid under an income-driven
repayment plan; and
* made 120 qualifying payments under the new requirements for TEPSLF while
working full-time for your qualifying employer or employers.
Note: At a minimum, a qualifying monthly payment is a payment that you made
* after Oct. 1, 2007
* for the full amount due as shown on your bill;
* no later than 15 days after your due date; and
* while employed full-time by a qualifying employer.
Only Direct Loans—one type of federal student loan—are eligible for the TEPSLF
opportunity. However, neither defaulted Direct Loans nor Direct PLUS Loans made
to you as a parent borrower are eligible for forgiveness under TEPSLF.
Borrowers who have only Federal Family Education Loan (FFEL) Program, Federal
Perkins Loan (Perkins Loan) Program, nonfederal, and/or private loans are not
eligible for the TEPSLF opportunity.
You must submit the Public Service Loan Forgiveness (PSLF) & Temporary Expanded
PSLF (TEPSLF) Certification & Application (PSLF form) to have your eligibility
for PSLF reevaluated. Please be aware that the TEPSLF opportunity is temporary,
has limited funding, and must be evaluated on a first come, first served basis.
WHICH FORM IS USED TO APPLY FOR TEPSLF?
The form “Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF
(TEPSLF) Certification & Application” is used for both PSLF and TEPSLF.
To be potentially eligible to receive loan forgiveness under the TEPSLF
opportunity, you must make all of your payments under a qualifying repayment
plan.
Your payments will be evaluated for both PSLF and TEPSLF eligibility under the
expanded list of qualifying repayment plans for TEPSLF when you submit the PSLF
form to the PSLF Servicer.
Visit StudentAid.gov/publicservice for information about PSLF eligibility
requirements and how to apply.
IF MY REQUEST FOR PSLF WAS PREVIOUSLY DENIED, WHY WOULD I BE ELIGIBLE UNDER
TEPSLF?
Upon submission of the PSLF form to the Servicer, your payments will be
considered for both PSLF and TEPSLF using an expanded list of qualifying
repayment plans. Some payments that don’t count toward loan forgiveness under
PSLF may count toward forgiveness under TEPSLF.
The additional qualifying repayment plans include the Graduated Repayment Plan,
Extended Repayment Plan, Consolidation Standard Repayment Plan, and
Consolidation Graduated Repayment Plan. These plans don’t usually qualify for
PSLF.
You will be eligible for the TEPSLF opportunity only if, among other
requirements, the amount you paid 12 months prior to applying for TEPSLF and the
last payment you made before applying for TEPSLF are at least as much as you
would have paid under an income-driven repayment plan. FedLoan Servicing will
assess this and contact you if they need documentation of your income to
determine whether you are eligible.
Learn more about income-driven repayment plans.
HOW DO I FILL OUT AND SUBMIT THE PSLF FORM?
You can fill out the Public Service Loan Forgiveness (PSLF) & Temporary
Expanded PSLF (TEPSLF) Certification & Application (PSLF form) in one of two
ways:
* You can use the PSLF Help Tool to assist you in starting the form. Once you
enter your information, you’ll be able to print the partially completed form
for you and your employer to sign.
* Or, you can download the form and complete all sections on your own before
submitting it.
Either way, we’ll use the information you provide on the form to let you know if
you are making qualifying payments for both PSLF and TEPSLF. This will help you
determine if you’re on the right track as you progress toward forgiveness. If
you have reached your 120 required monthly payments, we will let you know.
Once you’ve filled out the form, you can send it to FedLoan Servicing.*
You may mail the form to this address:
U.S. Department of Education
FedLoan Servicing
P.O. Box 69184
Harrisburg, PA 17106-9184
You may also fax your PSLF form to 717-720-1628.
If FedLoan Servicing is already your servicer, you may upload your form on
FedLoan Servicing’s website.
*FedLoan Servicing, one of the federal loan servicers, administers the
PSLF Program on our behalf.
WHAT DO I DO IF MY PSLF FORM IS DENIED?
If we determine that you are not eligible for loan forgiveness, you will be
notified of this determination and will be provided with the reason(s) you were
determined to be ineligible. You will then be required to resume making payments
on your loans according to the terms of your Master Promissory Note.
Borrowers will be asked to provide eligibility details as well as documentation
to support their request.
WHAT ADDITIONAL INFORMATION MAY BE NEEDED FROM ME?
If you haven’t been on an income-driven repayment plan for the 12 months prior
to requesting TEPSLF, you’ll need to submit income and family size information
to be considered for the TEPSLF opportunity. ED and FedLoan Servicing need this
information to determine what your monthly payment amount would be under an
income-driven repayment plan.
Once ED and FedLoan Servicing determine that monthly income-driven payment
amount, your most recent payment made and the payment made 12 months prior to
requesting TEPSLF will be reviewed. To qualify for TEPSLF, each of those amounts
must be at least as much as the monthly income-driven repayment amount we
calculate for you, among other requirements.
Submission Process
In the notice you receive from FedLoan Servicing requesting information, you’ll
be instructed to go to myfedloan.org/TEPSLF, log in, and use the File Upload
tool to provide your family size and submit your income documentation. This
notice will provide instructions for preparing to use the online tool.
If you’re unable to submit the information online, you may contact FedLoan
Servicing for assistance.
Submission Deadline
You’ll need to submit the requested information within 21 days of the date of
the notice to avoid having your TEPSLF request canceled.
If ED cancels your TEPSLF request, you will lose your established place in line
for TEPSLF consideration. If that happens, the only way you could be considered
for loan forgiveness under the TEPSLF opportunity would be to submit a new
TEPSLF request and all of the required information.
Note: If you receive the information request notice, it’s critical to act
immediately! The TEPSLF opportunity is temporary, has limited funding, and must
be provided on a first come, first served basis. Once all of the funds are used,
the TEPSLF opportunity will end.
IF I’M ELIGIBLE FOR TEPSLF, HOW WILL I BE INFORMED AND WHAT WILL HAPPEN NEXT?
ED and FedLoan Servicing will notify you after your eligible loans have been
forgiven under the TEPSLF opportunity. This notice will list the specific loans
that have been forgiven. The amount forgiven will include all outstanding
principal and interest.
* If you made payments after the 120th qualifying payment on your federal
student loans that have been forgiven under the TEPSLF opportunity, those
payments will be considered overpayments and refunded to you.
* If all of your federal student loans serviced by FedLoan Servicing have been
forgiven under the TEPSLF opportunity, you will no longer have a remaining
balance with FedLoan Servicing.
* If some of your federal student loans serviced by FedLoan Servicing have been
forgiven under the TEPSLF opportunity, you’ll receive a separate notification
of your remaining outstanding loan balance and your new payment amount.
You may have other federal student loans with another servicer that do not
qualify for TEPSLF and that you must repay. Just those loans listed in the
notice will have been forgiven under the TEPSLF opportunity. You’ll need to log
in and check your account to determine if you have other loans you must continue
to repay.
IF MY ELIGIBLE DIRECT LOANS ARE FORGIVEN UNDER TEPSLF, WILL I NEED TO PAY INCOME
TAX ON THE FORGIVENESS AMOUNT?
No. According to the Internal Revenue Service (IRS), student loan amounts
forgiven under the PSLF Program and the TEPSLF opportunity are not considered
income for federal tax purposes. Please contact the IRS or a tax advisor for
more information.
IF I’M NOT ELIGIBLE FOR TEPSLF, WHAT SHOULD I DO NEXT?
ED and FedLoan Servicing will notify you that you are not eligible for the
TEPSLF opportunity. This notice will explain why you are not eligible and
suggest what you should do next.
Here are the TEPSLF denial reasons and what you should do next:
* You don’t have any federal student loans. Only Direct Loans—one type of
federal student loan—are eligible for the TEPSLF opportunity. If you have
nonfederal or private loans, they are not eligible.
Here’s what you should do next:
You should contact your lender to get more information about your nonfederal
or private loans.
* You do not have any Direct Loans. Only Direct Loans are eligible for loan
forgiveness under the TEPSLF opportunity.
You have loans under other federal student loan programs, such as the FFEL
Program or the Perkins Loan Program. Loans from these programs do not qualify
for PSLF.
Here’s what you should do next:
You can consider consolidating your FFEL Program loans and/or your Perkins
Loans into the Direct Loan Program to become eligible for PSLF, but only
qualifying payments that you make on the new Direct Consolidation Loan can be
counted toward the 120 payments required for loan forgiveness under PSLF. Any
payments you made on the FFEL Program loans or Perkins Loans before you
consolidated them won’t count as qualifying payments for PSLF or TEPSLF.
If you consolidate, you’ll need to make 120 qualifying payments (typically 10
years) and then apply for forgiveness.
* You have only Direct Loans and they are in default. Defaulted loans are not
eligible for loan forgiveness under the TEPSLF opportunity.
Here’s what you should do next:
You should get out of default if you can, but any payments that you make
while you are in default cannot count as qualifying payments for PSLF or
TEPSLF. In addition, if you consolidate your loans to get out of default,
only qualifying payments that you make on the new Direct Consolidation Loan
can be counted toward the 120 payments required for loan forgiveness under
PSLF. Any payments you made on your loans before you consolidated them won’t
count as qualifying payments for PSLF or TEPSLF.
If you consolidate, you’ll need to make 120 qualifying payments (typically 10
years) and then apply for forgiveness.
* You have only Direct PLUS Loans made to you as a parent borrower. Those loans
cannot be repaid under income-driven repayment plans and, therefore, are not
eligible for loan forgiveness under the TEPSLF opportunity.
Here’s what you should do next:
You can consider consolidating your Direct PLUS Loans into a Direct
Consolidation Loan to become eligible for PSLF and then repay your loan under
the Income-Contingent Repayment Plan, but only qualifying payments that you
make on the new Direct Consolidation Loan can be counted toward the 120
payments required for loan forgiveness under PSLF. Any payments you made on
the Direct PLUS Loans before you consolidated them won’t count as qualifying
payments for PSLF or TEPSLF.
If you consolidate, you’ll need to make 120 qualifying payments (typically 10
years) and then apply for forgiveness.
* You have not submitted evidence of at least 10 years of full-time employment
certified by a qualifying employer.
Here’s what you should do next:
Use the PSLF Help Tool to assist you in starting the form. Once you enter
your information, you’ll be able to print the partially completed form for
you and your employer to sign.
Note: The TEPSLF opportunity is temporary, has limited funding, and must be
provided on a first come, first served basis. Once all of the funds are used,
the TEPSLF opportunity will end. You have lost your established place in line
for TEPSLF consideration. If you believe you have other qualifying
employment, it’s critical to act now!
* You have not been in repayment for at least 10 years on your Direct Loans. As
a reminder, the time your loans were in an in-school status, the grace
period, a deferment, or a forbearance do not count toward the 10 years.
Here’s what you should do next:
Visit StudentAid.gov/publicservice to learn about how to qualify for PSLF. If
you meet the eligibility requirements, you can reapply for PSLF or TEPSLF
after you’ve been in repayment for at least 10 years (not counting the
periods identified above).
* To be eligible for the TEPSLF opportunity, the amount you paid 12 months
prior to applying for TEPSLF and the last payment you made before applying
for TEPSLF must have been at least as much as you would have paid under an
income-driven repayment plan.
We evaluated your eligibility for TEPSLF based on the income-driven repayment
plan that would have provided you the lowest monthly payment amount. This
gave you the best chance at being eligible for TEPSLF.
A review of your payment history determined that your most recent payment
made and/or the payment made 12 months prior were less than the monthly
income-driven payment amount.
Here’s what you should do next:
You need to continue making payments on your federal student loans. Even
though you don’t qualify for the TEPSLF opportunity at this time, you may
qualify for PSLF in the future. Visit StudentAid.gov/publicservice for PSLF
eligibility information.
* To be eligible for the TEPSLF opportunity, you must have made 120 qualifying
payments under the new requirements for TEPSLF while working full-time for
your qualifying employer or employers.
Your eligibility for PSLF has been reevaluated using an expanded list of
qualifying repayment plans. A review of your payment history determined that
even with the expanded list of eligible repayment plans, you have not made
120 qualifying payments on your Direct Loan Program loans. This makes you
ineligible for the TEPSLF opportunity.
Here’s what you should do next:
You need to continue making payments on your federal student loans. Even
though you don’t qualify for the TEPSLF opportunity at this time, you may
qualify for PSLF or TEPSLF in the future. Visit StudentAid.gov/publicservice
for PSLF eligibility information.
Note: The TEPSLF opportunity is temporary, has limited funding, and must be
provided on a first come, first served basis. Once all of the funds are used,
the TEPSLF opportunity will end.
If you disagree with the results, or wish to file a complaint, submit a request
through the Feedback Center or contact the Federal Student Aid Ombudsman Group.
WHOM DO I CONTACT WITH QUESTIONS ABOUT TEPSLF?
If you have questions or cannot email FedLoan Servicing, contact FedLoan
Servicing at 1-855-265-4038 from 8 a.m.–9 p.m. Eastern time, Monday through
Friday.
DISCLOSURES
Privacy Act Notice
Paperwork Reduction Notice
ADDITIONAL LINKS
Public Service Loan Forgiveness
Repayment Plans
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