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School Board Approved (July 15, 2024)Student and Parent HandbookMecklenburg County Middle School 20242025PURPOSE OF THIS HANDBOOKThis handbook is intended to be a comprehensive guide for our students
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How to fill out public service loan forgiveness

01
Verify Eligibility: Confirm that you work full-time for a qualifying employer (government or qualifying nonprofit).
02
Complete the PSLF Form: Fill out the Employment Certification Form to validate your employment.
03
Get Employer Signatures: Have your employer(s) sign the form to certify your employment.
04
Submit the Form: Send the completed Employment Certification Form to the loan servicer.
05
Make Qualifying Payments: Ensure you make 120 qualifying monthly payments while employed in a qualifying position.
06
Keep Records: Keep copies of your payments and any related documents as proof.
07
Apply for Forgiveness: After making 120 payments, submit the PSLF application to your loan servicer.

Who needs public service loan forgiveness?

01
Individuals employed full-time in a public service job, such as government positions or qualifying nonprofit organizations, who are seeking forgiveness for their federal student loans.
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Public Service Loan Forgiveness is a program that forgives the remaining balance on Direct Loans for borrowers who have made 120 qualifying monthly payments while working full-time for a qualifying employer in the public service sector.
Individuals who work in qualifying public service jobs and have Federal Direct Loans are required to file for public service loan forgiveness to have their remaining loan balance forgiven after meeting the payment and employment criteria.
To fill out the public service loan forgiveness application, borrowers need to complete the PSLF form, which includes providing personal information, loan details, and employment certification. It is recommended to have your employer complete the employment certification section of the form.
The purpose of public service loan forgiveness is to encourage individuals to pursue careers in public service by reducing their student loan debt burden through forgiveness after meeting certain conditions.
Borrowers must report their personal information, loan types, payment history, qualifying employment, and any changes in employment or loan status on the public service loan forgiveness application.
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