Nate Cressall Agency
Public Service Loan Forgiveness
(10 year program)
www.StudentAid.gov/publicservice
March 2025 Updates:
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Online IDR and Direct Consolidation applications have been disabled. We do not know when they will be available again.
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Loan servicers are not processing any IDR forms (so probably not worth submitting a paper application).
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For borrowers already on SAVE and in forbearance, it may be best to just stay put and await further instructions. The PSLF Buyback is an opportunity to get credit for these months down the road by buying them back.
Getting Started
Step 2: Make sure you have Direct loans
If your loans are NOT Direct loans, you will need to consolidate the
non-direct loans only
Certify Employment
Step 3: PSLF Form
Payments under the PSLF program will only count if you are employed with a qualifying employer. Employment will be verified by submitting the PSLF Form periodically. Guide here
Income-Driven Payment Plan
Step 4: Get on an income-driven repayment plan
UPDATE: Automatic IDR recertification of income and family size now available
Step 5: Track your Progress toward PSLF
Guide on how to track your payments is here
Apply
Step 6: Apply for Forgiveness
After 120 qualifying payments complete the PSLF form (step 3) again. Online is preferred over filling out PDF manually.
Resources
