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Public Service Loan Forgiveness

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The Public Service Loan Forgiveness Program (PSLF) was developed to encourage borrowers to enter full-time public service employment.  Eligible loans may be forgiven after making 120 months of qualifying payments while working full time in an eligible public service position.  To qualify, borrowers must prove they've met the minimum requirements.  The Department of Education has provided information to students on their PSLF website and has a letter to borrowers, PSLF instructions, and a PSLF Employment Certification Form.

Equal Justice Works has developed a Public Service Loan Forgiveness Basic Checklist.

  • Eligible loans are Federal Subsidized, Unsubsidized, Graduate PLUS and Consolidation Loans in the William D. Ford Direct Loan Program
  • Qualifying payments must be made under the Standard, Income Based Repayment (IBR), or Income Contingent Repayment (ICR) plans
  • Qualifying employment includes non-profit, tax-exempt 501 (c) (3) organizations, government, law enforcement, military, public interest law services (including prosecution or public defense or legal advocacy in low-income communities at a non-profit organization), public education, etc.