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Public Service Loan Forgiveness Program

As a federal employee, you may be eligible for the U.S. Department of Education’s Public Service Loan Forgiveness (PSLF) Program. The PSLF Program helps eligible public servants reduce certain federal student loan debt. This reduction could be significant depending on your loan balance and when you start making qualifying payments under the program. How does it work? 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. Yes, “qualifying” is the operative word. Get started early in your career to maximize program benefits.   

There have been recent program changes that make PSLF more accessible, including a time-limited waiver so that student borrowers can count payments from all federal loan programs or repayment plans toward forgiveness. Review DCPAS Message 2022078, Public Service Loan Forgiveness Program Limited Waiver, for more information. There you will also find details on the upcoming PSLF webinar presented by Federal Student Aid that will be held on September 13, 2022. Additional resources are available at https://www.mohela.com/pslf, or speak with one of MOHELA's PSLF specialists at (855) 265-4038. MOHELA is the PSLF servicer and can address questions regarding the application process.

Taking the time now to ascertain eligibility and submit your application could save you thousands. The old adage, “Time is money,” certainly applies here! For details and to get started, visit https://studentaid.gov/pslf/.

Complete the public service loan forgiveness form with PSLF help tool.