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Public Service Loan Forgiveness (PSLF)

Student Loan Advocate LogoUpcoming Webinars

PSLF Waiver 2.0: Get a Second Chance with the IDR Recount

Have you sought to apply for the Public Service Loan Forgiveness (PSLF) program, but have more questions than answers? Have you heard about the PSLF Limited Waiver Opportunity but think you missed the deadline? Do you have Parent Loan for Undergraduate Students (Parent PLUS) loans and think you don't qualify? In this webinar, you will learn how to get many of the benefits and more from the waiver under the upcoming Income-Driven Repayment (IDR) Account Adjustment: 

  • Get PSLF credit for previous payments made under PSLF ineligible repayment plans or loan types, including Parent PLUS loans!
  • Get PSLF credit for certain periods of forbearance and/or deferment.
  • Get automatic discharge if you have been in repayment for 20-25 years, even if you don’t qualify for PSLF.

Take advantage of the IDR Recount before it ends on May 1! We’ll provide time for questions and links to resources so you can take the next steps and navigate your way through the process. Register today and we look forward to seeing you online soon!

Presenters: Jessica M. Manfredi, PSLF Program Associate and Stephanie Sampedro, Washington Student Loan Advocate

Dates & Registration:

If you are not able to attend one of the webinars, we will soon post a recording of the presentation, the presentation slides and transcript.

Public Service Loan Forgiveness Limited Waiver Period

The Public Service Loan Forgiveness (PSLF) limited time waiver period ended on October 31, 2022. If you have any questions about the waiver, please submit a request using this form

On October 6, 2021, the U.S. Department of Education (ED) announced a new limited waiver opportunity for the PSLF program. For a limited time, borrowers could receive credit for past payments that had not previously qualified for PSLF.

Under this limited waiver opportunity, any prior payment made on Federal Family Education Loans (FFEL), Perkins, or other non-direct federal student loan will count as a qualifying payment, regardless of repayment plan, or whether the payment was made in full or on time. All you needed was a qualifying employment and a Direct Loan. The waiver only applied to loans taken out by students, not parents.

In order to secure a review under the limited waiver opportunity, you may have needed to act by October 31, 2022. Please visit ED’s PSLF limited waiver opportunity webpage to find out what steps you needed to take, if any. For example:

  • If borrowers had a loan type that does not normally qualify for PSLF, including a FFEL or Perkins Loan, they needed to consolidate that loan into the Direct Loan program by October 31, 2022.
  • If borrowers had not submitted a certification for all periods of qualifying employment, they needed to submit a PSLF form via the PSLF Help Tool for any uncertified employment period by October 31, 2022.

Direct Loan borrowers who had previously submitted certifications from their employers will receive automatic updates of their qualifying payment counts for the certified employment periods. However, it could take several months for these updates to appear.

Please note that Parent PLUS loans were not eligible for the limited waiver opportunity unless they were consolidated with loans from the parent’s own education.

Normal PSLF Program Rules 

Borrowers who have full-time public service jobs could be eligible for debt forgiveness if they do all of the following:

  • Work at least 30 hours per week or whatever your employer considers full-time, for local, state, federal, or tribal government or nonprofit organizations.
  • Have Direct Loans.
  • Are on an eligible Income-Driven Repayment plan.
  • Make 120 on-time payments on their student loans.

Note that PSFL rules will change in July 2023. To view the new rules view the Future of PSLF Fact Sheet (PDF) (ed.gov)

Frequently Asked Questions

Please visit the U.S. Department of Education website for a comprehensive list of PSLF FAQs.

About the Student Loan Advocate

The student loan advocate has independent statutory authority to analyze and monitor laws and policies that impact student loan borrowers at the federal, state, and local level, and to make recommendations. The student loan advocate also works directly with loan borrowers to address complaints and help them navigate issues and identify resources.