Public Service Loan Forgiveness

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The Public Service Loan Forgiveness (PSLF) program was created to give people in the public service field affordable payments as well as a shorter term with forgiveness over time. If you are working full-time in public service, you may qualify for The Public Service Loan Forgiveness as well as an income sensitive program. Many times, borrowers looking to enroll in The Public Service Loan Forgiveness program are unaware that they are already working for a qualified employer.

If you are enrolled in the program, stay employed full-time in the public service field, and have made 120 payments on your direct loans then your remaining balance that you still owe will be completely forgiven. Only payments made under the qualifying repayment plans may be counted toward the required 120 payments. Some of the repayment plans that can be used in conjunction with (PSLF) program are the Obama Loan forgiveness Program (PAYE), Income Based Reduction Program (IBR), the Teacher Loan Forgiveness Program and the Income Contingent Repayment program. Although qualifying for The Public Service Loan Forgiveness program is based off of the employer, many job types like public school teachers, police officers, nurses, fire fighters and many others qualify for this program.

Borrowers enrolled in The Public Service Loan Forgiveness program that make 120 qualifying payments will receive total forgiveness regardless of the loan amount or how much interest has accrued. A qualifying payment is considered to be any payment such as:

  • while you are employed full-time (30 hours or more per week) by a qualifying employer.
  • after October 1, 2007
  • under a qualifying repayment plan (IBR, PAYE, REPAYE etc.)
  • for the full amount due as shown on your bill
  • no later than 15 days after your due date

Qualifying payments do not need to be made consecutively and paying more than the full amount due will not help a borrower receive forgiveness sooner. Paying only the amount required actually gives a borrower the best opportunity to receive the maximum amount of forgiveness at the end of the term.

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"Before I came across Student Loan Help Info, I was struggling to pay $273 every month towards my student loans. A friend of mine referred me to this place and I was a little weary at first. The woman I spoke to was very helpful and informative, so I decided to move forward and they helped me get into a $0 monthly payment. Now my student loans are one less thing I worry about."
Roger P.


"Hi! I am Jessica. I graduated in 2010 with all the hope to build a career in teaching. My loans totaled over $40,000. I had a job at the time and didn’t make a lot of money so supporting my two kids wasn’t easy. I started falling behind with my payments and eventually fell into default. Luckily, I found Student Loan Help Info through an online search, and they were able to help get me out of default and into a forgiveness program. I couldn’t be happier!"
Jessica M.


"I have been disabled for quite some time now so I haven’t been able to work and pay my student loans off. I came across this student loan assistance company and the representative was very knowledge. Since I am disabled, I was able to get all of my loans discharged. I am so thankful I made the call."
Mitchell T.

Public Service Loan Forgiveness F.A.Q

What is better about the PAYE program versus other forgiveness programs?

The Obama Loan Forgiveness program generally gives you a lower monthly payment because it only considers 10% of your discretionary income instead of 15% like some of the other programs. The forgiveness term is also after 240 months instead of 300 months like other retroactive forgiveness programs.

Is a 0$ payment the same as a deferment or forbearance?

No, a 0$ monthly payment is actually considered a qualifying monthly payment towards the forgiveness term and it reflects positively as an on time payment towards your federal student loans.

Can the PAYE program combine with any other programs?

Yes, The Obama Loan Forgiveness program (PAYE) can be combined with The Public Service Loan Forgiveness program (PSLF), which gives you an income sensitive payment and cuts the forgiveness term in half from 240 months to 120 months.

What will happen to my loans if I lose my job and can no longer afford my payments?

The PAYE program will always give you a payment you can afford because it is recalculated each year based off of your income and expenses. If you happen to lose your job or see a reduction in income, your monthly payment will drop accordingly.

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