Human Resources

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

Important: You must be working for a qualifying employer at the time you submit the form for forgiveness and at the time the remaining balance on your loan is forgiven.

Whether you have made 120 qualifying payments, or are working toward PSLF and are completing your employer certification, you should fill out and submit the (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF form).

Either way, we’ll use the information you provide on the form to let you know if you are making qualifying PSLF payments. This will help you determine if you’re on the right track as early as possible.

While you must always have 120 qualifying payments to receive forgiveness, you may receive credit for payments that did not previously count under the Limited PSLF Waiver. If you surpass 120 qualifying payments due to this limited-time waiver, you do not currently have to work at a qualifying employer. Learn more.

Note: If you don’t periodically submit the PSLF form, then at the time you apply for forgiveness, you will be required to submit employment certification for each employer where you worked while making the required 120 qualifying monthly payments.