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Federal Student Loan Forgiveness Program

Public Service Loan Forgiveness (PSLF)

Government and non-profit employees can have their remaining federal student loan balance forgiven tax-free after 120 qualifying monthly payments — with no cap on the amount forgiven.

Check Your Eligibility Free

What Is PSLF?

Public Service Loan Forgiveness (PSLF) is a federal program that forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments while working full-time for a qualifying employer. The forgiven amount is tax-free under current federal law, and there is no cap on how much can be forgiven.

Qualifying Employer

Government organizations at any level (federal, state, local, tribal), 501(c)(3) non-profits, and some other public service organizations.

120 Qualifying Payments

Make 120 on-time monthly payments under a qualifying repayment plan while working for a qualifying employer. Payments do not need to be consecutive.

Tax-Free Forgiveness

The forgiven amount is not considered taxable income under current federal law — you receive complete relief with no tax bill attached.

Who Qualifies

You work full-time for a government organization (federal, state, local, or tribal)
You work full-time for a 501(c)(3) tax-exempt non-profit organization
You work for AmeriCorps or the Peace Corps (full-time)
You have federal Direct Loans (or consolidate other federal loans into a Direct Consolidation Loan)
You are on an income-driven repayment plan (recommended for maximum forgiveness)
You make 120 qualifying monthly payments (does not need to be consecutive)

Program Benefits

Complete forgiveness of remaining federal Direct Loan balance after 120 payments
No cap on the amount forgiven — can be hundreds of thousands of dollars
Tax-free forgiveness under current federal law
Qualifying employment includes military, teaching, public health, law enforcement, and more
Payments made under any IDR plan count as qualifying payments
Limited PSLF Waiver opportunities may credit past non-qualifying payments

How We Help With PSLF

1

Employment Certification

We help you submit the PSLF Employment Certification Form to verify your employer and track qualifying payments accurately.

2

Loan Consolidation

If you have non-Direct federal loans, we guide you through consolidating them into a Direct Consolidation Loan to become PSLF-eligible.

3

IDR Plan Enrollment

We help you enroll in the income-driven repayment plan that maximizes your PSLF benefit and minimizes monthly payments.

4

Forgiveness Application

After 120 payments, we prepare and submit your PSLF forgiveness application to the Department of Education for final approval.

Start Your Path to PSLF Forgiveness Today

If you work in public service, you could be closer to complete loan forgiveness than you think. Get your free assessment and let our experts evaluate your PSLF eligibility and guide you through every step.

Get Your Free Assessment