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PSLF Resources

If you have a federal student loan and are employed by a nonprofit organization or the government, you may be able to benefit from temporary changes made to the Public Service Loan Forgiveness (PSLF) program. These changes, called the “Limited PSLF Waiver,” are helping borrowers across the nation more easily get their loans forgiven. If you haven’t already applied for PSLF, submit a PSLF form and/or consolidate your non-Direct federal student loans by October 31, 2022, to take advantage of the benefit.

You can learn more about the waiver here. 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. To take advantage of the waiver, you need to:

1. Register for an FSA ID if you don’t already have one at this link.

2. If you have Federal Family Education Loans (FFEL), Perkins loans, or other federal student loans including FISL or NDSL, consolidate your loans into a Direct Consolidation Loan to qualify for PSLF. Before consolidating, check to see if you work for a qualifying employer using the PSLF Help Tool. If you need to, consolidate your loans at this link.

3. Submit a PSLF form to certify employment for PSLF that you want credit for through the waiver. Generate a PSLF form at this link.

• In the PSLF Help Tool, it’s important to use the appropriate Federal Employer Identification Number (EIN). Check with your HR department for the correct EIN for your employer. You can also find it on your W-2.

A few minutes of your time could save you thousands of dollars on your student loans. Remember, the deadline to qualify for the Limited PSLF Waiver is October 31, 2022.