How to Fill Out and Submit the Public Service Loan Forgiveness (PSLF) FormYou can fill out the public service loan forgiveness (PSLF) form in one of two ways: Show
Once filled out, submit to BHR:
Note: PSLF forms must be physically signed by authorized personnel. Due to this federal requirement, requests will be processed within 7-10 business days of submission. Public Service Loan Forgiveness vs Student Debt Relief PlanIn addition to the PSLF program the U.S. Department of Education announced a student debt relief plan to help working and middle-class federal student loan borrowers transition back to regular payment as pandemic-related support expires. This plan includes loan forgiveness of up to $20,000 and will extend the pause a final time through December 31, 2022, with payments resuming in January 2023. Find out more information on the student debt relief plan announcement here. Public Service Loan Forgiveness Waiver OffersThe U.S. Department of Education has implemented temporary changes to the PSLF program rules that make it easier for federal student loan borrowers to receive credit for past periods of repayment that would otherwise not qualify for forgiveness. These changes end on October 31, 2022. Millions of non-profit and government employees have federal student loans and may now be eligible for loan forgiveness or additional credit through the temporary changes, known as the Limited PSLF Waiver. But they must apply before the deadline. This means some borrowers will need to consolidate and/or submit a PSLF form – the single application used for a review of employment certification, payment counts, and processing of forgiveness – on or before October 31, 2022, to have previously ineligible payments counted. After October 31, 2022, normal PSLF rules will apply. Borrowers can learn more about the temporary changes at the public service loan forgiveness program website here. The PSLF website includes a simple 3-Step Eligibility Tool that borrowers can use to determine eligibility, a one-page explainer document for borrowers, and social media graphics that you can use. Which PSLF Requirements Are Waived Here’s what’s changed and what’s unchanged as of Oct. 6, 2021. Normal PSLF Requirements Changes Until Oct. 31, 2022.
Step 1. Explore your options
What is a qualifying loan? UPDATE The U.S. Department of Education announced a change to PSLF program rules for a limited time because of the COVID-19 national emergency. Under the new rules, any prior federal student loan payment made will count as a qualifying payment, regardless of loan type, repayment plan, or whether the payment was made in full or on time. All you need is qualifying employment. This change will apply to student loan borrowers with Direct Loans, those who have already consolidated into the Direct Loan Program, and those who consolidate into the Direct Loan Program by Oct. 31, 2022. For more information visit the PSLF website. What is a qualifying payment plan? UPDATE Under the PSLF Limited Waiver opportunity, most of the PSLF qualifying payment rules have been suspended through Oct. 31, 2022. Under this temporary waiver, you may get credit for payments you’ve made on loans that would not normally qualify for PSLF. These payments will count even if you didn’t pay the full amount or on-time. However, only payments made after Oct. 1, 2007, can count as qualifying payments, since that’s when the PSLF program began. Get Started
Step 2. Enroll and certifyUnder the PSLF Limited Waiver, any prior federal student loan payment made after Oct. 1, 2007, will count toward PSLF. Next steps depend on whether you have a Direct Loan or some other type of federal student loan. Next steps
Step 3. Follow-up with your servicerOnce you submit the PSLF form, your servicer knows you are interested and can track your progress. The company that services your loan may change. Pay close attention to any information you receive about your student loan, even if it’s from an unfamiliar company. Things to consider
How do I get a loan forgiven for PSLF?If you have worked in public service (federal, state, local, tribal government or a non-profit organization) for 10 years or more (even if not consecutively), you may be eligible to have all your student debt canceled.
What qualifies as public service for loan forgiveness?Public Service Loan Forgiveness (PSLF) is a federal program that forgives student loan debt for borrowers who work for a government or non-profit employer. This includes teachers, firefighters, first-responders, nurses, military members, and other public service workers.
Where do I get PSLF form?The online application is available at StudentAid.gov/consolidation. If you don't know whether you have Direct Loans, go to StudentAid.gov/dashboard. To qualify for PSLF, you must be an employee of a qualifying employer.
How do I submit PSLF form?Once you and your employer have filled out the PSLF Form, you can send it, with your employer's certification, to MOHELA Servicing. You may also fax your PSLF Form to MOHELA at 866-222-7060. If MOHELA is already your servicer, you may upload your form on MOHELA website.
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