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OMB No. 18450110 Form Approved Exp. Date 12/31/2017PUBLIC SERVICE LOAN FORGIVENESS (PSL): EMPLOYMENT CERTIFICATION FORM PSL McWilliam D. Ford Federal Direct Loan (Direct Loan) Program WARNING: Any

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How to fill out public service loan forgiveness

01

Gather all necessary documents such as employment certification form, loan forgiveness application, and income-driven repayment plan certification form.

02

Verify if you qualify for public service loan forgiveness by meeting the eligibility criteria such as working full-time for a qualifying employer for at least 10 years while making 120 qualifying payments.

03

Complete and submit the employment certification form annually or when you change employers to ensure your payments and employment qualify for forgiveness.

04

Choose an income-driven repayment plan if you haven't already done so, as this is a requirement for public service loan forgiveness.

05

Make 120 qualifying payments on your loans while working full-time for a qualifying employer. These payments must be made under the income-driven repayment plan.

06

After making the 120th payment, submit the loan forgiveness application to apply for loan forgiveness. It is recommended to submit the application after you have made all 120 qualifying payments.

07

Follow up with the loan servicer to ensure they have received your application and to track the progress of your forgiveness application.

08

If approved, you will receive notification of the amount of loans forgiven, and any remaining loan balance will be discharged.

Who needs public service loan forgiveness?

01

Public service loan forgiveness is designed for individuals who work in the public sector or for certain non-profit organizations.

02

Generally, those who have federal student loans and are employed full-time by a qualifying employer such as government organizations, public schools, military, law enforcement agencies, or non-profit organizations may be eligible for public service loan forgiveness.

03

It is beneficial for individuals with high loan balances and who plan to work in public service for a long period since the program offers complete forgiveness of any remaining loan balance after making 120 qualifying payments.

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What is public service loan forgiveness?

Public Service Loan Forgiveness (PSLF) is a federal program that forgives student loan debt for borrowers who work in qualifying public service jobs and make 120 qualifying monthly payments.

Who is required to file public service loan forgiveness?

Borrowers who work in qualifying public service jobs and have made 120 qualifying monthly payments on their student loans are required to file for Public Service Loan Forgiveness.

How to fill out public service loan forgiveness?

To apply for Public Service Loan Forgiveness, borrowers must submit the Employment Certification Form and the Application for Forgiveness form to the loan servicer.

What is the purpose of public service loan forgiveness?

The purpose of Public Service Loan Forgiveness is to incentivize individuals to work in public service jobs by offering student loan debt forgiveness after a certain period of qualifying payments.

What information must be reported on public service loan forgiveness?

Borrowers must report their employment history, qualifying monthly payments, and details about their student loans on the Public Service Loan Forgiveness application forms.

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