There are a few reasons why your loans might show as ineligible for PSLF/TEPSLF on your studentaid.gov account. You can click on View Recommend Actions to see what steps you may need to take, but below are different reasons for your loans to show as ineligible:
- Your loans have been consolidated into a new Direct Consolidation loan. Your FSA account will show eligibility for all loans in your name that have been disbursed, but in this case, you only need to refer to your loans currently in repayment status.
- You have FFEL loans. These are an older type of federal loan that are held by commercial servicers. These loans would need to be consolidated to become eligible for PSLF. You can read more about consolidation here:https://bysavi.zendesk.com/hc/en-us/articles/16168129717267-Overview-of-Consolidation
- Your loans are currently in a forbearance or deferment. These periods do not count towards PSLF. Once your loans are in an eligible repayment plan for PSLF, you will see this updated on your FSA dashboard. Note, you can still see previous eligible periods if you have been in an Income Driven Repayment (IDR) plan previously while working at an eligible employer. Note, this includes periods of SAVE Forbearance if you were previously in the SAVE repayment plan.
- You have Direct Consolidation loans and you are in the Standard plan. This plan does not count as an eligible repayment plan for PSLF. You will need to enroll in an IDR plan.
- You have loans that you have paid off. FSA will always eligibility for all loans that have been disbursed. You can ignore these alerts.
- Your loans are in default. You will first need to get your loans out of default to get back into an eligible repayment plan. You can read more about options to get out of default here: https://bysavi.zendesk.com/hc/en-us/articles/115005092894-I-am-nearing-in-default-on-my-student-loans-What-are-my-options
Savi Premium users can reach out on their Savi Dashboard (via the Contact Support button) with more questions.