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SECTION 5: INSTRUCTIONS FOR COMPLETING THE FORM

If you have made 120 qualifying payments and the certification in Sections 3 and 4 does not cover all of those payments, you

must provide information about other employers by submitting one copy of Sections 1 and 2 (Page 1), and one copy of

Sections 3 and 4 (Page 2) per employer. When completing this form, type or print using dark ink. Enter dates as month-day-

year (mm-dd-yyyy). Use only numbers. Example: March 14, 2016 = 03-14-2016. For more information about PSLF and how to

use this form, visit StudentAid.gov/publicservice. Return the completed form to the address shown in Section 7.

SECTION 6: DEFINITIONS

QUALIFYING PAYMENT DEFINITIONS

QUALIFYING EMPLOYMENT DEFINITIONS (CONTINUED)

Qualifying payments are separate, on-time, full monthly

An employee means an individual who is hired and paid

payments made on an eligible loan after October 1, 2007

by the qualifying employer.

Full-time means working for one or more qualifying

under a qualifying repayment plan while employed full-time

employers for the greater of: (1) An annual average of at

by a qualifying employer.

An on-time payment is a payment made no more than

least 30 hours per week or, for a contractual or employment

period of at least 8 months, an average of 30 hours per

15 days after the due date for the payment.

Eligible loans are loans made under the William D. Ford

week; or (2) Unless the qualifying employment is with two

Federal Direct Loan (Direct Loan) Program that are not in

or more employers, the number of hours the employer

considers full time.

default.

Qualifying repayment plans include the Revised Pay As

An authorized official is an official of a qualifying

You Earn (REPAYE) plan, the Pay As You Earn (PAYE) plan,

employer who has access to the borrower's employment or

service records and is authorized by the employer to certify

the Income-Based Repayment (IBR) plan, the Income-

Contingent Repayment (ICR) plan, the Standard Repayment

the employment status of the organization's employees or

plan with a maximum 10-year repayment period, and any

former employees, or the service of AmeriCorps or Peace

Corps volunteers.

other Direct Loan repayment plan if payments are at least

Early childhood education includes licensed or

equal to the monthly payment amount that would be

required under the Standard Repayment plan with a 10-year

regulated child care, Head Start, and State funded pre-

kindergarten.

repayment period.

Law enforcement means crime prevention, control or

QUALIFYING EMPLOYMENT DEFINITIONS

reduction of crime, or the enforcement of criminal law.

A Qualifying employer includes the government, a not-

Military service means service on behalf of the U. S.

for-profit organization that is tax-exempt under Section

Armed Forces or the National Guard.

501(c)(3) of the Internal Revenue Code, or a private not-for-

Public education includes services that provide

profit organization that provides certain public services.

educational enrichment or support directly to students or

Serving in an AmeriCorps or Peace Corps position is also

their families in a school or a school-like setting.

qualifying employment.

Public interest legal services refers to legal services

Government includes a Federal, State, local or Tribal

that are funded in whole or in part by a local, State, Federal,

government organization, agency or entity; a public child or

or Tribal government.

family service agency; or a Tribal college or university.

Public health includes nurses, nurse practitioners,

A private not-for-profit organization is an

nurses in a clinical setting, and full-time professionals

organization that is not organized for profit, is not a labor

engaged in

health care practitioner occupations

and

health

union, is not a partisan political organization, and provides

support

occupations, as such terms are defined by the

at least one of the following public services as its primary

Bureau of Labor Statistics.

purpose: (1) emergency management, (2) military service,

(3) public safety, (4) law enforcement, (5) public interest

OTHER DEFINITIONS

legal services, (6) early childhood education, (7) public

A forbearance is a period during which you are allowed

service for individuals with disabilities and the elderly, (8)

to postpone making payments temporarily, allowed an

public health, (9) public education, (10) public library

extension of time for making payments, or temporarily

services, (11) school library services, or (12) other school-

allowed to make smaller payments than scheduled. A

based services.

forbearance can be a mandatory forbearance, meaning that

AmeriCorps position means a position approved by the

your loan holder must grant the forbearance if you qualify

Corporation for National and Community Service under

for the forbearance and supply all supporting

Section 123 of the National and Community Service Act of

documentation. A forbearance can also be a discretionary

1990 (42 U.S.C. 12573).

forbearance, meaning that your loan holder may grant the

Peace Corps position means a full-time assignment

forbearance, but is not required to do so.

under the Peace Corps Act as provided for under 22 U.S.C.

2504.

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Application For Forgiveness - Public Service Loan Forgiveness (Pslf) - U.s. Department Of Education Page 3

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