Public Service Loan Forgiveness

To qualify for the Public Service Loan Forgiveness (PSLF) you must make 120 qualifying payments while meeting the following three requirements.


  1. Only payments made on Federal Direct Loans, including Direct Loan consolidations, can be eligible.
    • You would need to consolidate your federal loans to the DL program to start working towards eligibility.
    • During consolidation, you’ll be asked to select a servicer. FedLoan Servicing is the servicer that manages the PSLF program.
  2. Choose from the eligible repayment plans:
    • Income Based Repayment (IBR), Pay As You Earn, Income Contingent Repayment (ICR) or 10-yr Standard plan
    • You would need to select one of these qualifying plans to start working towards eligibility.
  3. You must be working in a full-time Public Service job at the time of those 120 monthly payments (10 years).
    • The years of employment do not need to be consecutive or with the same employer.
    • After your consolidation is approved, you can send an employment certification form to confirm that you employment arrangement is qualifying. A new form should be sent anytime you change employers.


The application for forgiveness can be completed after making the 120 total qualifying payments. However, you should complete employment certification forms annually to track your employment eligibility. No matter which servicer your loans are with, you will send the employment certification form to:


FedLoan Servicing
Attn: Loan Forgiveness
P.O. Box 69184
Harrisburg, PA 17106-9184
Fax: (717) 720-1628


If you need help completing the form, call: 855-265-4038. Visit the Department of Education’s website for additional information on Public Service Loan Forgiveness.