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Who qualifies for the Public Service Loan Forgiveness Program?

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Who qualifies for the Public Service Loan Forgiveness Program?

Let’s start from square one…

What is the public service loan forgiveness program?

The public service loan forgiveness program, also known as the (PSLF), is one of the loan forgiveness programs enacted under the Obama Student Loan Forgiveness Program (aka the William D. Ford Act). It serves as an incentive to enter and work full-time in public service jobs.

More specifically, under the William D. Ford Act, if you’re working in the public service industry you may be eligible for forgiveness of the remaining balance due on your federal loans after you’ve made 120 qualifying payments while employed full-time by certain public service employers.

You must work full-time for a federal, state or local government or for a tax-exempt 501(c)(3) nonprofit organization or a private not-for-profit organization (not including a labor union or partisan political organization. For the full list of types of employers that qualify click here.

What federal student loans are eligible under the PSLF Program?

If all else applies and you have 1. a Direct Loan and 2. have not defaulted on it, you are eligible for forgiveness after 10 years (120 months). The following loans are included as well:

Direct Subsidized Loans

Direct Unsubsidized Loans

Direct PLUS Loans – for parents and graduate or professional students

Direct Consolidation Loans

NOTE: Parents who have taken out a Direct PLUS Loan may qualify for the PSLF program, if the parent borrower – not the student who it was obtained for – is employed by a public service organization.

What about loans that are not “Direct Federal Loans”?

This program is only for Direct Loans and there is no way around that however, if your loans are consolidated into a Direct Consolidation Loan, you may become eligible. To note, only payments made on the Direct Consolidation Loan will count towards the required 120 qualifying payments.[/vc_column_text]

The following is a list of loans that can be consolidated into a Direct Consolidation Loan:

Federal Family Education Loan (FFEL) Program loans, which include the following:

Subsidized Federal Stafford Loans

Unsubsidized Federal Stafford Loans

Federal PLUS Loans – for parents and graduate or professional students

Federal Consolidation Loans (excluding joint spousal consolidation loans)

Federal Perkins Loans

Certain Health Professions and Nursing Loans

NOTE: You will have a remaining balance on a loan after making 120 payments only if you are making reduced monthly payments under the REPAYE, PAYE, IBR or ICR repayment plans.

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Call us at (800) 940-8911 or fill out the form on this page to speak to one of our representatives. It’s 100% free to see if you qualify for student loan forgiveness, and only takes a few minutes.

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How does a borrower become eligible for loan forgiveness?


The following must be true in order to qualify:

You must not be in default on the loans for which you are requesting forgiveness

You must be employed full-time by a public service organization when making each of the 120 qualifying loan payments at the time you apply for loan forgiveness; and at the time the remaining balance on your eligible loans is forgiven

You must have made 120 separate monthly payments after Oct. 1, 2007 the direct loans you’re requesting forgiveness for, the payments must be made in full and within 15 of the scheduled payment date

You must be enrolled in one of the following programs:

Revised Pay As You Earn Repayment Plan (REPAYE Plan)

Pay As You Earn Repayment Plan (PAYE Plan)

Income-Based Repayment Plan (IBR Plan)

Income-Contingent Repayment Plan (ICR Plan)

10-year Standard Repayment Plan

Any other Direct Loan Program repayment plan

What is qualifying employment?


You must be employed full-time (an average of 30 hours per week annually) by a public service organization or serving full-time in the AmeriCrops or PeaceCorps.

Below is a list of types of organizations that apply under the PSLF Program:

government organization (federal, state, local, or tribal organization, agency or entity; a public child or family service agency; or a tribal college or university)

a not-for-profit, tax-exempt organization

a private not-for-profit organization (excluding a labor union or partisan political organization), that provides at least one of the following:

emergency management

military service

public safety

law enforcement

public interest law services

early childhood education

public service for individuals with disabilities and the elderly

public health

public education

public library services

school library or other school-based service


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Student loan debt has reached an all-time high, and according to the Consumer Financial Protection Bureau, the total amounts to around $1.2 trillion. Goodbye Loans can help determine if you qualify for Public Service Student Loan Forgiveness.

Goodbye Loans matches thousands of graduates with federal programs that are offered by The Department of Education to consolidate and lower their current Federal student loans. We help you take advantage of the latest regulations put in place by Congress and President Obama and potentially save thousands of dollars. Debt is hard to ignore. When you’re staring down a ballooning credit card balance and fending off insistent phone calls from angry creditors, it can be an all-consuming enemy.

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