Limited Public Service Loan Forgiveness (PSLF) Waiver
As of April 2022, the Department of Education (ED) announced a change to the limited PSLF waiver for certain military related
service and is now counting certain periods of deferment and forbearance toward PSLF. ED is working with the PSLF Servicer to
include these periods of specific military related service.
If you are a service member borrower, already submitted a PSLF form, and is on track for PSLF, no other action is required for
these updates to occur to your account and payment counts towards PSLF. If you are a service member borrower that has Direct
Loans and has never submitted a PSLF form before, we recommend you use the
PSLF Help Tool to complete the form and submit it to the PSLF servicer. If
you have other loans types, please see
the section, Next Steps: How to See if You Qualify, on how to consolidate loans
As of April of 2022, the Department of Education has launched an online submission process on StudentAid.gov for borrowers to submit
PSLF reconsideration requests. This online process is for borrowers to request review of prior decisions of qualifying employment or
payment determinations for PSLF and Temporary Expanded PSLF (TEPSLF). For more information please visit
StudentAid.gov/publicservice and follow the onscreen prompts to
submit a reconsideration request.
On Oct. 6, 2021, The U.S. Department of Education announced temporary changes to the rules for PSLF and Temporary Expanded PSLF (TEPSLF).
Now, under the limited PSLF waiver, you may receive credit for past payments that normally wouldn’t qualify for PSLF. This waiver
is scheduled to end Oct. 31, 2022!
To learn more about this limited waiver period, including any actions you may need to take to benefit from this waiver, visit
About the Limited PSLF Waiver
New Rules Under Limited PSLF Waiver Until Oct. 31, 2022
Eligible Student Loans
Verify if your loan types are already eligible or if you need to consolidate for your loan(s) to be eligible. Log in to StudentAid.gov to view
your Aid Summary.
Use the PSLF Help Tool to search for a qualifying employer, learn what actions you may
need to take to become eligible for PSLF or TEPSLF, and generate the form you need. To identify if your employer is eligible you will need your employer’s
Federal Employer Identification Number (FEIN OR EIN) which is a unique, nine-digit number assigned to entities operating in the United States. Qualifying
employment is about your employer. Employment with the following types of organizations are qualified employers for PSLF:
For Federal Family Education Loan (FFEL) Program Loans, Federal Perkins Loans, or other types of federal student loans that are not Direct Loans you must
consolidate into the Direct Loan program by Oct. 31, 2022. This is very important, because you cannot receive credit for payments under this limited PSLF waiver
if you consolidate after that date.
If you determine consolidation is the best option for you, you can
apply here for consolidation. After the consolidation is complete, you must then
submit a PSLF form for all periods of qualifying employment.
Apply for PSLF
You can use the PSLF Help Tool to search for a qualifying employer, learn what actions
you may need to take to become eligible for PSLF or TEPSLF, and generate the form you need. For the best experience using this tool, read this blog,
Become a Public Service Loan Forgiveness (PSLF) Help Tool Ninja,
then log into StudentAid.gov and perform the following: