Public Service Loan Forgiveness

What is the Public Service Loan Forgiveness Program?

The Public Service Loan Forgiveness Program is a federal program that forgives student loan debt for nonprofit employees after 120 qualifying payments. The first applicants will be eligible for forgiveness in 2017. 


The Public Service Loan Forgiveness Program application has not yet been written, but the basic eligibility requirements for the program are as follows:

  1. Your loans must be Federal Direct Student Loans.
  2. You must be employed full time by a public service organization.
  3. Your loans must not be in default.
  4. You must make 120 separate monthly payments on the eligible loans after October 1, 2007.
  5. The 120 payments must be made under an eligible Direct Loan Program repayment plan.

To get all the facts and forms you'll need, go to:

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