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1. What is the Public Service Loan Forgiveness Program?

The Public Service Loan Forgiveness Program forgives the remaining balance on your direct loans after you make 120 qualifying monthly payments under a qualifying repayment plan while working full time for a qualifying employer.

2. What types of loans are qualifying?

Any student loan you received under the William D. Ford Federal Direct Loan Program.

3. What is a qualifying payment?

A qualifying monthly payment is a payment you make under a qualifying repayment plan for the full amount due as shown on your bill no later than 15 days after your due date while you are employed full time by a qualifying employer.

4. A qualifying monthly payment is a payment you make under a qualifying repayment plan for the full amount due as shown on your bill no later than 15 days after your due date while you are employed full

Qualifying repayment plans include all of the income-driven repayment plans (plans that base your monthly payment on your income).

5. Does my income level determine eligibility for the program?

There is no income requirement to qualify.

6. How do I apply?

To apply to participate in the program, you need to complete an employment certification form. Once the form is complete, you need to send it to your loan holder. The U.S Department of Education will notify you in writing or electronically of the number of qualifying payments you have made while employed full time by a qualifying employer and how many more you must make before you are eligible to apply for the program.