Public Service Loan Forgiveness Toolkit and Next Steps

Do you have federal student loan debt?   Did you know that as a full-time Federal employee, you may qualify for student loan forgiveness?

Under the Public Service Loan Forgiveness Program, the remainder of your federal student loan debt could be forgiven in ten years by making 120 on-time payments while remaining employed in public service.

How do I find out if I am eligible for Public Service Loan Forgiveness (PSLF)?

  1. Do you have eligible loans?

o   Not all types of federal student loans are automatically eligible for PSLF. Log onto to see what loan types you have.

  1. Are you on an eligible repayment plan?

o   Only income-driven repayment plans or the 10-year standard plan are eligible, but to benefit from PSLF you’ll need to make most of the 120 payments under an income-driven plan. Look at a recent student loan bill or log on to your servicer’s website to find out what repayment plan you are in.

o   If you need to switch to an income-driven repayment plan, you can apply online for free at

If I am eligible, what should I do to ensure I am on track for loan forgiveness?

Submit an Employment Certification Form (attached) to confirm that you are on track to have your loans forgiven after 120 qualifying payments. It doesn’t cost anything to find out.

You can learn more about the Public Service Loan Forgiveness Program at


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