How to Apply for Public Service Loan Forgiveness

   Download the certification form

Download the U.S. Department of Education’s Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application, or you can begin the process on-line using the PSLF Help Tool. Note: the application process is free. If anyone tries to charge you for this service, it’s a scam and you should not pay them.

l   Complete the form

To complete the form, you must complete sections 1 and 2, and your employer will complete sections 3 and 4. You can complete sections 1 and 2 on paper, or you can do so on-line with the PSLF Help Tool and print when completed. When your employer has completed their sections of the printed-out application, be sure to save a completed copy of the form for your records, and to make sure all the information they put in is correct.

   Submit the form

Submit your completed certification form by mailing it to FedLoan Servicing, which handles PSLF student loans for the Department of Education:

U.S. Department of Education
FedLoan Servicing
P.O. Box 69184
Harrisburg, PA 17106-9184

   Recertify every year

Continue to recertify your employment at least annually – we recommend doing so every six months – using these same tools. You can do it any time of the year – so pick a date you’ll remember! This is important to do as it will allow you to keep count of your qualifying payments. Also, remember to re-certify your income for your income-driven repayment plan annually – every year hundreds of thousands of people fail to recertify and therefore lose the benefits of income-driven repayment plans.

   Keep track of everything!

After you’ve successfully enrolled in Public Service Loan Forgiveness, you’ll want to keep thorough documentation for your own records in case there is ever a disagreement among you, the Department of Education and your servicer.

Whether organized in a binder, file folders or via secure cloud storage, here is a short checklist of the things you’ll want to hold onto:

  • Certification forms and acceptance letters: You have to fill out the Public Service Loan Forgiveness certification form annually. Keep a copy of each of your completed forms. When you fill out the actual application to have your loans forgiven, you might need to reference them.
  • Income-driven repayment plan confirmations: If you are enrolled in an income-driven repayment plan, save the letters confirming that you’ve been placed in the one you selected. You’ll have to renew enrollment annually because eligibility is based on your income.
  • W2 forms: You’ll prove your income, and therefore your eligibility for these programs, by submitting a downloaded copy of your most recent IRS W2 form. If at any time the amount you’re paying seems higher than it should be, you’ll want to talk to your servicer because your loan may have been moved into a different repayment plan that might not be eligible for PSLF. Keep a copy of your W2 forms for every year that you’re in one of these repayment plans.
  • Payment receipts: Save bills that prove receipt of your on-time payments to both track your progress of qualifying payments and ensure you have documentation in the event of the Department of Education or a servicer claiming one of your payments was late or missing or in a noneligible repayment plan. We recommend scanning them and naming the digital file in correspondence with the payment number, or saving each one and put post-it notes on them numbering them with a “#1” – “#120,” so you’re tracking your progress of qualifying payments.

Because Public Service Loan Forgiveness and Income-Driven Repayment plans require you to renew annually, we suggest renewing on a date you’ll remember.

   Made your 120 Qualifying Payments? Apply Now!

After you have made 120 qualifying, on-time payments you can now apply to have your federal student loans forgiven. You will need to show that you are employed full-time with a qualifying employer at the time you submit your final PSLF/TEPSLF Certification & Application, and you will need to remain employed in public service until your loan is forgiven.

If this sounds like you…

Z

You work in the public service

Z

You have federal Direct Loans

Z

And you’re enrolled in an income-driven repayment plan or standard 10-year plan

…then here’s what you need to do to enroll in Public Service Loan Forgiveness!

Pin It on Pinterest