If you are employed by a government or not-for-profit organization, you
may be able to receive loan forgiveness under the Public Service Loan
Forgiveness Program .
Contact your servicer to apply for student loan forgiveness, and more.
Public Service Loan Forgiveness Program (PSLF)
The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs.
- Borrowers may qualify for forgiveness of the remaining balance of their Direct Loans after they have made 120 qualifying payments on those loans while employed full time by certain public service employers.
- You must make 120 on-time, full, scheduled, monthly payments on your Direct Loans.
- You must make those payments under a qualifying repayment plan. When you make each of those payments, you must be working full-time at a qualifying public service organization.
- Federal, state, local, or tribal government organizations.
- A 501(c)3 nonprofit.
- A not-for-profit that's not 501(c)3 designated but meets other requirements related to public service.
- AmeriCorps, in a full-time capacity, or the Peace Corps.