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Public service loan forgiveness 2025

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The document is the Public Service Loan Forgiveness (PSLF) Employment Certification Form, which outlines the requirements and process for borrowers seeking loan forgiveness after making 120 qualifying payments while employed full-time by a qualifying employer. It includes sections for borrower information, authorizations, employer details, and instructions for completion. The form emphasizes the importance of accurate information and provides definitions of qualifying payments and employment, as well as guidance on where to submit the completed form.

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What jobs qualify for the public service loan forgiveness?

Qualifying Public Services for the Public Service Loan Forgiveness (PSLF) Program Civilian service to the military. Emergency management. Military service. Public safety. Law enforcement. Public interest law. Early childhood education. Public service for individuals with disabilities.

What qualifies a public service forgiveness loan?

The program requires borrowers to be full-time employees of an eligible public service employer and make 120 qualifying payments towards their student loans, after which the remainder of their federal student loan debt can be forgiven if proper documentation is submitted to the federal government.

Can part time employees get PSLF?

IF YOU HAVE ONE JOB You have to meet your employers definition of full-time OR work at least 30 hours per week, whichever is greater. IF YOU HAVE PART-TIME JOBS You have to work a combined average of 30 hours per week, and all your part-time jobs must meet the eligibility requirements.

Do you have to work 10 years for PSLF?

Because you have to make 120 qualifying monthly payments, it will take at least 10 years before you can qualify for PSLF.

Do you have to make 10 consecutive years for PSLF?

To become eligible for Public Service Loan Forgiveness (PSLF) program you must make a total of 120, qualifying monthly payments. However, these payments do not have to be consecutive.

Does PSLF require 10 years of employment?

Its important to note that you do not have to work for qualifying employers for 10 consecutive years to be eligible for PSLF.

How much will PSLF forgive?

There is no limit to how much can be forgiven by PSLF. The program forgives the remaining balance of your federal student debt after 10 years of service and 120 payments to your federal student loans. We have seen NEA members receive forgiveness on loans with balances of $20,000, $100,000, and even more.

How often do you have to recertify employment for PSLF?

Annually to Certify Your Employment To help you track your progress toward qualifying for PSLF, we recommend that you submit the PSLF form annually or when you change employers. It will make it much easier once you are ready to apply for forgiveness after 10 years of employment in public service!

Public service loan forgiveness 2025

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