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HomeManage LoansStudent Loan ForgivenessPublic Service Loan ForgivenessPublic
Service Loan Forgiveness Application


PUBLIC SERVICE LOAN FORGIVENESS FORM

Complete Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF
(TEPSLF) Certification & Application (PSLF Form) once you are ready to apply for
PSLF.

Why and When to Submit the PSLF Form
How to Fill Out and Submit the PSLF Form
What Will Happen if Your PSLF Form Is Approved
What to Do if Your PSLF Form Is Denied
Why and When to Submit the PSLF Form
How to Fill Out and Submit the PSLF Form
What Will Happen if Your PSLF Form Is Approved
What to Do if Your PSLF Form Is Denied


Public Service Loan Forgiveness Employment Certification

The PSLF Program forgives the remaining balance on your Direct Loans after you
have made 120 qualifying monthly payments under a qualifying repayment plan
while working full-time for a qualifying employer.

To benefit from PSLF, you should complete and submit the PSLF form every year
while you’re making progress toward PSLF. We will use the information you
provide on the form to inform you if your employment qualifies and to confirm if
you’re making qualifying PSLF payments.


WHY AND WHEN TO SUBMIT THE PSLF FORM


ANNUALLY TO CERTIFY YOUR EMPLOYMENT

To help you track your progress toward qualifying for PSLF, we recommend that
you submit the PSLF form annually or when you change employers. It will make it
much easier once you are ready to apply for forgiveness after 10 years of
employment in public service!

Submitting the form annually will let us track and verify how many qualifying
payments you make while working full-time for a qualifying employer, among other
PSLF eligibility requirements.

Your employment can be certified by an official who has access to your
employment or service records and is authorized by your employer to certify your
employment or your service as an AmeriCorps or Peace Corps volunteer. This will
often be someone in the human resources department, though in some cases your
direct supervisor or another individual may be authorized to certify your
employment. Check with your organization to see who is allowed to certify your
PSLF form.

If you do not submit the PSLF form with your employment certification annually,
then at the time you apply for forgiveness, you will be required to submit
employment certification for each employer you worked for while making the
required 120 qualifying monthly payments.

Note: If at least one day of your employment falls within a period during which
we determined your employer to be eligible, you will be able to complete the
PSLF Help Tool even if the employer was not an eligible employer for the entire
period you entered. After you submit your form, the PSLF servicer will conduct a
review of the specific dates of your employment for eligibility. Please note
that periods of employment prior to October 2, 2007, cannot qualify for PSLF
even if they were with a qualifying employer.

Special Notice for the COVID-19 Emergency
In order to take advantage of a limited-time PSLF waiver during the COVID-19
national emergency, we recommend you submit this form for each qualifying
employer you’ve had since October 2007, even if you had an ineligible loan type,
repayment plan, or some other disqualifying factor. You must submit this form by
October 31, 2022. Learn more.


AFTER YOU MAKE 120 QUALIFYING MONTHLY PAYMENTS FOR PSLF

After you make your 120th qualifying monthly payment for PSLF, you’ll need to
submit the PSLF form to receive loan forgiveness. You must be working for a
qualifying employer at the time you submit the PSLF form and at the time the
remaining balance on your loan is forgiven.

Special Notice for the COVID-19 Emergency
Due to the limited PSLF waiver opportunity, you do not need to be employed at a
qualifying employer when you apply for forgiveness. Learn more.


TO REQUEST TEMPORARY EXPANDED PSLF

If you are ineligible for PSLF only because 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.


HOW TO FILL OUT AND SUBMIT THE PSLF FORM

You can fill out the PSLF form in one of two ways:

   

 * You can use the PSLF Help Tool to assist you in starting the PSLF 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 PSLF 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 PSLF payments. 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 PSLF form, you can send it to MOHELA.*

You may mail the form to this address:

U.S. Department of Education
MOHELA
633 Spirit Drive
Chesterfield, MO 63005-1243


You may also fax your PSLF form to 866-222-7060.

If MOHELA is already your servicer, you may upload your PSLF form on MOHELA's
website.

*MOHELA, one of the federal loan servicers, administers the PSLF Program on our
behalf.


WHAT WILL HAPPEN IF YOUR PSLF FORM IS APPROVED


EMPLOYMENT CERTIFICATION

We will take the following actions after we receive the form with your
certification:

   

 * We will review your form to ensure that it’s complete and to determine
   whether your loans and employment qualify for the PSLF Program.

 * We will notify you via email if the form you submitted is incomplete or if we
   can’t determine, based on the information provided on the form, whether your
   employment qualifies. We may ask you to provide additional information or
   documentation to help us verify whether you were employed by a qualifying
   employer.

 * If we verify that your employer is not a qualifying employer, we will notify
   you that your employment does not qualify. If you believe that your employer
   qualifies, you will have the opportunity to provide additional information.

 * If we verify that you do not have eligible loan types, we’ll notify you that
   your loans do not qualify.

 * If we verify that your loans and employment qualify, we will notify you.

 * If we verify that your employment qualifies, and if some or all of your
   federal student loans that we own are not already serviced by MOHELA, those
   loans will be transferred to MOHELA. If your loans are transferred, we will
   notify you.

 * If we verify that your employment qualifies, we will then review your payment
   history (including any payments you made to another federal loan servicer
   before your loans were transferred) to determine how many payments made
   during the period of employment certified on the PSLF form are qualifying
   monthly payments for PSLF. We’ll then notify you of the total number of
   qualifying payments you’ve made, and how many payments you must still make
   before you can qualify for PSLF.

 * Don’t forget to submit the PSLF form with your employment certification
   annually. If you’re on an income-driven repayment (IDR) plan, you can make it
   a habit to submit your form at the same time of year as you renew your IDR
   plan.


PSLF FORM AFTER MAKING 120 QUALIFYING PAYMENTS

If your PSLF form is approved for forgiveness, then you’ll be notified that the
entire remaining balance of your eligible Direct Loans will be forgiven,
including all outstanding interest and principal. If you made payments after
your 120th qualifying payment, those payments will be treated as overpayments
and refunded to you as well.


WHAT TO DO IF YOUR PSLF FORM IS DENIED

You may still be eligible for loan forgiveness if you are ineligible for PSLF
only because some or all of your payments were not made under a qualifying
repayment plan for PSLF. If you meet these requirements, then you will be
evaluated for Temporary Expanded PSLF (TEPSLF) eligibility under the expanded
list of qualifying repayment plans for TEPSLF. Learn more about this temporary
loan forgiveness opportunity.

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.


ADDITIONAL LINKS

Public Service Loan Forgiveness
Public Service Loan Forgiveness FAQs
Public Service Loan Forgiveness (PSLF) Help Tool
Temporary Expanded Public Service Loan Forgiveness


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