Public Service Loan Forgiveness

The U.S. Department of Education has a website dedicated to the Public Service Loan Forgiveness (PSLF) program. The website contains frequently asked questions, student and employer certification documents, and a Public Service Loan Forgiveness fact sheet.

What is the Public Service Loan Forgiveness Program?

Congress created the Public Service Loan Forgiveness Program to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance due on their eligible federal student loans after they have made 120 payments on those loans under certain repayment plans while employed full time by certain public service employers.

Only non-defaulted loans made under the William D. Ford Direct Loan Program are eligible for loan forgiveness. The Direct Loan Program includes the following types of loans:

  • Federal Direct Stafford Loans (Direct Subsidized Loans)
  • Federal Direct Unsubsidized Stafford Loans (Direct Unsubsidized Loans)
  • Federal Direct PLUS Loans (Direct PLUS Loans)- for parents and graduate or professional students
  • Federal Direct Consolidation Loans (Direct Consolidation Loans)
Although loan forgiveness under this program is available only for loans made and repaid under the Direct Loan Program, loans made under other federal student loan programs may qualify for forgiveness if they are consolidated into a Direct Consolidation Loan. Therefore, only payments made on the Direct Consolidation Loan will count toward the required 120 monthly payments.

The 120 required payments must be made under one or more of the following Direct Loan Program repayment plans:

For additional information on PSLF, check out the Public Service Loan Forgiveness Program Q&As. The Q&As are grouped into four categories: General Information, Eligible Loans, Qualifying Payments, and Qualifying Employment. The answers are dated and, as new questions are added or a previous response is updated, we will include a new date.

Go to the Public Service Loan Forgiveness fact sheet for more information on the terms and conditions of the program and to understand what types of public service jobs qualify. You may also wish to watch a video on the Public Loan Forgiveness Program on our Financial Aid TV webpage.

Teacher Loan Forgiveness and Cancellation Programs

There are two types of loan forgiveness programs for teachers:

The U.S. Department of Education maintains a comprehensive website detailing teacher loan forgiveness and cancellation options.​​​​