The Public Service Loan Forgiveness (PSLF) program was established in 2007 to help borrowers pay off their student loan debt easier and faster. Under the federal program, eligible borrowers can have their loans discharged after 10 years if they meet eligibility requirements.
On July 1, 2026 new Public Service Loan Forgiveness (PSLF) rules will change which employers qualify. An employer is eligible for PSLF when Employment Certification Forms (ECFs) are submitted and verified. Under the new rules, the Department of Education will have the authority to disqualify certain organizations from PSLF eligibility. They have stated they will “ensure the definition of ‘public service’ excludes organizations that engage in activities that have a substantial illegal purpose.” Learn more: Qualifying Employment.
Public Service Loan Forgiveness Requirements
If you are employed by a government or not-for-profit organization, you may be eligible for the PSLF Program. The PSLF Program forgives the remaining balance on your Direct Loans:
- After you’ve made the equivalent of 120 qualifying monthly payments under an accepted repayment plan, and
- While working full-time for an eligible employer.
Careers that Qualify for Student Loan Forgiveness
It may seem as if the field of work is narrow; however, public service jobs can encompass a variety of employers and roles – not just careers in government. The Department of Education lists public service areas as:
- Military and civilian service to the military
- Emergency management
- Public safety
- Law enforcement
- Public interest law
- Early childhood education
- Public service for individuals with disabilities
- Public health
- Public education
- Public library services
- School library services
- Other school-based services, like health or nursing services, social work services, or parent counseling and training
- Public service for the elderly
Learn more about:
Public Service Careers that Will Pay for Your College Degree
Read about Shawna Newman’s successful journey to loan forgiveness.
How to Get Started Qualifying for Public Service Loan Forgiveness
Contact the Department of Education
It’s recommended that borrowers register for an FSA ID at StudentAid.gov/create-account or update your contact information at StudentAid.gov/settings.
Employer Certification Form
The US Department of Education has an employment certification form and instructions. It is best to submit the form annually or whenever the borrower changes employers to ensure that the qualifying service is properly recorded.
Upon submission, the US Department of Education’s servicer will inform the borrower whether the employment reported on the form satisfies the requirements for public service loan forgiveness. Borrowers will also be able to track their progress toward obtaining public service loan forgiveness.
After the borrower has fulfilled the requirements for public service loan forgiveness (i.e., made 120 qualifying payments while working full-time in a qualifying public service job), the borrower will need to file a PSLF application to obtain the loan forgiveness.
Obtaining a Federal Direct Consolidation Loan
If you have not yet consolidated, you can seek a federal direct consolidation loan in order to obtain an income contingent repayment plan. Federal direct consolidation loans are available if you haven’t been able to obtain a FFEL consolidation loan, income sensitive repayment terms acceptable to you or if you have defaulted on your FFEL loans. Learn more: Loan Consolidation
Additionally, you can request income-contingent repayment or income-based repayment. The consolidation loan application does not currently include a checkbox for requesting these repayment plans, so you must ask for it separately.
