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Limited PSLF Waiver

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. For a limited time, it is easier than ever to receive that forgiveness, or get credit toward forgiveness, if you have not yet served 10 years.

You must apply by October 31, 2022.

Apply now at: https://www.whitehouse.gov/publicserviceloanforgiveness/

The “limited PSLF waiver” refers to the time-limited changes to the Federal Government’s Public Service Loan Forgiveness (PSLF) Program.

How to See If You Qualify

To qualify for the limited PSLF waiver, you need to have at least one Direct Loan and at least one approved PSLF form.

Visit https://studentaid.gov/ for next steps about the PSLF Waiver program.

Click here for instructions on how to view your federal student loans online.

 

 

Background:

On Oct. 6, 2021, the U.S. Department of Education (ED) announced a change to the Public Service Loan Forgiveness (PSLF) program rules for a limited time as a result of the COVID-19 national emergency. Millions of non-profit and government employees have federal student loans and may now be eligible for loan forgiveness or additional credit through the Limited PSLF Waiver. Under normal PSLF rules, borrowers must make 120 payments on a Direct Loan while on a qualifying repayment plan and be employed by a qualifying public service employer. Now, for a limited period of time, federal student loan borrowers may receive credit for past periods of repayment that would otherwise not qualify for PSLF.

You can learn more about the waiver here.

In short, the waiver will allow borrowers to gain additional PSLF credit, even if they had been told previously that they had the wrong loan type or the wrong repayment plan. The waiver ends October 31, 2022. After that, normal PSLF rules will apply. This means that many borrowers need to submit a PSLF form and/or consolidate their non-Direct federal student loans by October 31, 2022, to get the benefit.

 

Where to Get Help?

Here are some resources you might find helpful:

  • PSLF Help Tool—Use the PSLF Help Tool to search for a qualifying employer, learn what actions you may need to take to become eligible for PSLF or TEPSLF, and generate the PSLF form to certify employment and apply for forgiveness.

  • MOHELA (PSLF servicer)—Reach out to MOHELA to ask any questions you have about your eligibility for PSLF and account information (payment amounts or due dates, etc.).

  • “Take Advantage of the PSLF Waiver by Oct. 31” article—This article provides a summary of the limited PSLF waiver changes and includes links to information about consolidating loans, PSLF Q&As, and general information about the PSLF program.

  • “Become a PSLF Help Tool Ninja” article—This article provides insight on how to use the PSLF Help Tool with a focus on the Employee Identification Number (EIN), how important it is to make sure you have the correct EIN ready when completing your form, and where to find your employer’s EIN.