Public Service Loan Forgiveness

PSLF Waiver

• PSLF Waiver - Frequently Asked Questions (FAQ)
• Next Steps - Based on your Loan Types
• Overview | New Rules for Qualifying Payments

Basics

• Can I waive my grace period to begin accruing PSLF credit immediately?
• Can I go back to school while pursuing Public Service Loan Forgiveness (PSLF)?
• What if I’m not eligible for forgiveness? (non-501c3, Government, IDR or Re-fi)
• What is Public Service Loan Forgiveness (PSLF), and how do I know if I'm eligible?
• Where should I go for more information?

Payments

• Do I have to be employed at an eligible employer when I apply for forgiveness?
• Do $0 monthly payments count toward PSLF?
• Can I pay ahead on my loans for PSLF?
• Which payments qualify for PSLF?
• Which payments do not qualify for PSLF?
• Do nonconsecutive payments qualify?

Loans

• Are Parent PLUS loans eligible for forgiveness?
• Which loans count for Public Service Loan Forgiveness?
• Can I convert my non-direct loans into qualifying direct loans?
• Will I need to consolidate my loans into one loan with a single interest rate in order to qualify for PSLF?

Employers & Employment

• Does full-time volunteer work count for PSLF?
• Where can I work to qualify for Public Service Loan Forgiveness?
• How is full-time employment defined?
• Can I qualify as a full-time employee if I work multiple jobs?
• Do government contractors count as a qualifying employer for PSLF?
• Does public service work abroad qualify for PSLF?

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