ED's Employment Certification for Public Service Loan Forgiveness form helps borrowers keep track of their progress toward loan forgiveness.
Through the College Cost Reduction and Access Act of 2007, Congress created the Public Service Loan Forgiveness Program (PSLFP) to encourage individuals to enter and continue in certain public service professions.
Under the PSLFP, a borrower may qualify for forgiveness of the remaining balance due on his or her eligible Federal Direct Loan Program (FDLP) loan(s) after the borrower has made 120 monthly payments on that loan(s) under an eligible repayment plan(s) while employed full time in an eligible public service occupation(s).
Specific eligibility requirements are outlined on this page. If you are interested in pursuing a public service career, or are currently serving in such a career and are seeking loan forgiveness under this program, you can call the TG Customer Assistance team toll-free at (800) 845-6267 or send an email message to firstname.lastname@example.org for more information.
The following are eligibility requirements for a borrower seeking public service loan forgiveness:
Note: The borrower does not have to be employed for 120 consecutive months by a public service organization. In addition, the borrower is not required to work for the same organization for all 120 months of qualifying service.
Which federal student loans are eligible for forgiveness under the PSLFP?
Any non-defaulted loan made under the Federal Direct Loan Program (FDLP) is eligible for public service loan forgiveness, including Direct Subsidized and Unsubsidized, Direct PLUS, and Direct Consolidation loans.
Although public service loan forgiveness is available only for loans made under the FDLP, loans made under the Federal Family Education Loan Program, Federal Perkins Loan Program, and certain health professions and nursing loan programs — may qualify for forgiveness if they are consolidated into a Direct Consolidation loan. However, only payments made on the Direct Consolidation loan will count toward the 120 monthly payments required for forgiveness.
Do I have to make the 120 required payments under a specific repayment plan to qualify for loan forgiveness under the PSLFP?
The 120 required payments must be made under one or more of the following FDLP repayment plans:
Are loan amounts forgiven under the PSLFP considered taxable by the Internal Revenue Service (IRS)?
Under current IRS rules, student loan amounts forgiven under the PSLFP are not considered income for tax purposes. For more information, you should check with the IRS or your tax advisor.
What types of public service occupations will qualify for loan forgiveness under the PSLFP?
The borrower must be employed full time (in any position) by a public service organization, or must be serving in a full-time AmeriCorps or Peace Corps position. For purposes of the PSLFP, the term "public service organization" means:
Additional frequently asked questions
For further questions and answers, visit the Department of Education's (ED) Public Service Loan Forgiveness website and ED's own list of Q&As for borrowers.
At this time, ED has not developed an application process for the PSLFP. Since a qualifying borrower must make 120 monthly payments on his or her eligible federal student loan(s) beginning after October 1, 2007, the first forgiveness of loan balances will not be granted until October 2017. Until an application is available, it is important for a borrower seeking loan forgiveness under the PSLFP to carefully document his or her qualifying full-time employment by a public service organization(s), as those records will be required as part of the application process. Although not required, borrowers are encouraged to submit the Employment Certification for Public Service Loan Forgiveness form to FedLoan Servicing, the PSLFP servicer, each year to help them keep track of their progress toward loan forgiveness.