Take Advantage of the Public Service Loan Forgiveness Waiver by Oct. 31

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Until Oct. 31, 2022, federal student loan borrowers can get credit for payments that previously didn’t qualify for Public Service Loan Forgiveness (PSLF) or Temporary Expanded Public Service Loan Forgiveness (TEPSLF).

Under the limited PSLF waiver, you can get credit for past payments even if you

  • didn’t make the payment on time,

  • didn’t pay the full amount due, or

  • weren’t on a the right repayment plan.

Here’s what you can do to take advantage of the limited PSLF waiver.

Confirm your employer is qualified.

You must work for a qualified employer in order to get PSLF credit. The waiver hasn’t changed this requirement. Check if your employer is certified by using our PSLF Help Tool.

Note: You must be logged in to your account to use the PSLF Help Tool.

To get started, you’ll need either your most recent W-2 or your employer’s Federal Employer Identification Number. To move through the PSLF Help Tool with ease, read “Becoming a PSLF Help Tool Ninja” before starting.

Along with certifying your employer, the PSLF Help Tool will walk you through the qualifications for PSLF and TEPSLF and generate the forms you’ll need to be considered for qualification.

Consolidate your loans if you need to.

To be considered for the limited PSLF waiver, you must have a Direct Loan. If you don’t, you have until Oct. 31, 2022, to consolidate your loans into a Direct Loan.

Consolidation is when any or all of your federal student loans are combined, giving you one monthly payment. Check out our consolidation loan application to find out what you’ll need in order to apply.

Keep in mind that there are pros and cons to consolidating. Learn what consolidating would mean for you before taking action.

If you’re unsure of the status of your loan(s) or loan type(s), log in and check your Aid Summary for an overview.

Understand what the PSLF waiver changes.

Our announcement explains how the limited PSLF waiver works and provides answers to frequently asked questions. But you can check out the table below for a quick summary of some key differences.

Normal PSLF Requirements

Included in Limited PSLF Waiver Until Oct. 31

Direct Loan payments only

Payments on Direct, Perkins, or FFEL Loans

Payments through Standard or income-driven repayment plans only

Payments through any repayment plan (including Graduated, Extended, and others)

Full, on-time payments only

Late or partial payments

Must be employed full-time by a qualified employer at the time of applying for forgiveness

Can get forgiveness if not employed by a qualifying employer at the time of applying for forgiveness

Period of service for Teacher Loan Forgiveness (TLF) can’t also count toward PSLF

Period of service for TLF can count toward PSLF, as long as you certify employment for that period

Don’t delay!

Oct. 31 may seem far away, but don’t wait until the last minute! Give yourself plenty of time to prepare your PSLF form and/or to apply for consolidation. Keep in mind that processing your PSLF form and/or consolidation will take time, too.

This waiver is a big change to the current PSLF process, so we ask for your patience over the next several months. We are working hard to provide you with updated application statuses and answers to your questions.

For more information, check out the following resources. You can always reach out to your loan servicer with any questions or concerns.