The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.
To benefit from PSLF, you should complete and submit the Public Service Loan Forgiveness Employment Certification Form (often referred to as the ECF) every year while you’re making progress toward PSLF. We will use the information you provide on the form to inform you if your employment qualifies and to confirm if you’re making qualifying PSLF payments.
Why and When to Submit the PSLF Application
After you make your 120th qualifying monthly payment for PSLF, you’ll need to submit the PSLF application to receive loan forgiveness. You must be working for a qualifying employer at the time you submit the PSLF application and at the time the remaining balance on your loan is forgiven.
How to Fill Out and Submit the PSLF Application
You can fill out the PSLF application in one of two ways:
- You can use the PSLF Help Tool to assist you in starting the PSLF application. Once you enter your information, you’ll be able to print the partially completed form for you and your employer to sign.
- Or, you can download the PSLF application and complete all sections on your own before submitting it.
Once you’ve filled out the PSLF application, you can send it to FedLoan Servicing.*
You may mail the form to this address:
U.S. Department of Education
P.O. Box 69184
Harrisburg, PA 17106-9184
You may also fax your PSLF application to 717-720-1628.
If FedLoan Servicing is already your servicer, you may upload your PSLF application on FedLoan Servicing's website.
*FedLoan Servicing, one of the federal loan servicers, administers the PSLF Program on our behalf.
What Will Happen if Your PSLF Application Is Approved
If your PSLF application is approved, then you’ll be notified that the entire remaining balance of your eligible Direct Loans will be forgiven, including all outstanding interest and principal. If you made payments after your 120th qualifying payment, those payments will be treated as overpayments and refunded to you as well.
What to Do if Your PSLF Application Is Denied
You may still be eligible for loan forgiveness if your PSLF application is denied because some or all of your payments were not made under a qualifying repayment plan for PSLF. Learn more about this temporary loan forgiveness opportunity.
If we determine that you are not eligible for loan forgiveness, you will be notified of this determination and will be provided with the reason(s) you were determined to be ineligible. You will then be required to resume making payments on your loans according to the terms of your Master Promissory Note.