Student Debt Resources

To qualify for PSLF you need to meet five criteria.*

1. Be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization
2. Work full-time for that agency or organization.
3. Have Direct Loans under the William D. Ford Direct Loan Program.
4. Repay your loans under an income-driven repayment (IDR) plan.
5. Make 120 qualifying payments.

*See detailed explanations and exceptions

For more information on PSLF visit: studentaid.gov/PSLF

Once you’ve determined that you meet all five criteria to enroll in the PSLF program, you’ll need to complete an application.

Start the Public Service Loan Forgiveness (PSLF) Application

Income Driven Repayment (IDR) Plans were created by the federal government to provide lower student loan repayment options for borrowers of federal loans.

Monthly payments under these plans are based on the borrower’s income and family size.  In some cases, payments can be as low as $0 per month.  After making payments under an IDR plan for 10-25 years, the remaining balance of the loan was historically forgiven.

Current IDR plans include:

1. Income Contingent Repayment (ICR)
2. Income Based Repayment (IBR)
3. Pay As You Earn (PAYE)

1. Take a look at this chart to learn the types of federal student loans that can be repaid under each IDR plan.
2. Use the Federal Student Aid Loan Simulator to check your eligibility and get an estimate of monthly payments.
3. Contact your student loan servicer or visit the Federal Student Aid website at www.studentaid.gov to apply online.

Annual recertification of IDR plans

Borrowers enrolled in an IDR plan do not have to reapply for the plan. However, they need to “recertify” their income and family size each year by providing their loan servicer with updated information used to recalculate the monthly payment amount.  Alternatively, borrowers can give their consent to release their tax information which will be used to recertify their income automatically.

Recertification is required even if there has been no change in the borrower’s income or family size. 

Your loan servicer should send you an annual reminder notice when it’s time to recertify.

For more information on IDR visit: https://studentaid.gov/idr/ 

PSLF 

Public Service Loan Forgiveness (PSLF) and Temporary Expanded PSLF (TEPSLF) Certification & Application

IDR

Income Driven Repayment (IDR) Plan Request 

Loan Consolidation

Direct Consolidation Loan Application and Promissory Note