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SECTION 8: IMPORTANT INFORMATION ABOUT PSLF (CONTINUED)

LOAN ELIGIBILITY

EMPLOYMENT ELIGIBILITY (CONTINUED)

Only Direct Loan Program loans that are not in default

A private not-for-profit organization that is not a tax-

are eligible for PSLF. Loans you received under the Federal

exempt organization under Section 501(c)(3) of the IRC may

Family Education Loan (FFEL) Program, the Federal Perkins

be a qualifying organization if it provides certain specified

Loan (Perkins Loan) Program, or any other student loan

public services. These services include emergency

program are not eligible for PSLF.

management, military service, public safety, or law

enforcement services; public health services; public

If you have FFEL Program or Perkins Loan Program loans,

education or public library services; school library and other

you may consolidate them into a Direct Consolidation Loan

school-based services; public interest legal services; early

to take advantage of PSLF. However, payments made on

childhood education; public service for individuals with

your FFEL Program or Perkins Loan Program loans before

disabilities and the elderly. The organization must not be a

you consolidated them, even if they were made under a

business organized for profit, a labor union, or a partisan

qualifying repayment plan, do not count as qualifying PSLF

political organization.

payments. In addition, if you made qualifying payments on a

Direct Loan and then consolidate it into a Direct

Employment as a member of the U.S. Congress is not

Consolidation Loan, you must start over making qualifying

qualifying employment.

payments on the new Direct Consolidation Loan.

You must be employed full-time by your employer.

If you are planning to consolidate your FFEL Program or

Generally, you must meet your employer's definition of

Perkins Loan Program loans into a Direct Consolidation Loan

full-time. However, for PSLF purposes, that definition must

to take advantage of PSLF and do not have any Direct Loans,

be at least an annual average of 30 hours per week. For

do not submit this form until you have consolidated your

purposes of the full-time requirement, your qualifying

loans. The online application for Direct Consolidation Loans

employment at a 501(c)(3) organization or a not-for-profit

contains a section that allows you to indicate that you are

organization does not include time spent participating in

consolidating your loans for PSLF. If you plan to consolidate

religious instruction, worship services, or any form of

Perkins Loan Program loans, first understand that Perkins

proselytizing.

Loan Program loans may be cancelled for certain types of

If you are a teacher or in another position under contract

public service. If you consolidate a Perkins Loan Program

for at least eight out of 12 months, you meet the full-time

loan, you will no longer be eligible for Perkins cancellation.

standard if you work an average of at least 30 hours per

The online application is available at StudentLoans.gov. If

week during the contractual period and receive credit by

you don't know whether you have Direct Loans, go to

your employer for a full year's worth of employment.

StudentAid.gov/login.

If you are employed in more than one qualifying part-

EMPLOYMENT ELIGIBILITY

time job simultaneously, you may meet the full-time

To qualify for PSLF, you must be an employee of a

employment requirement if you work a combined average

qualifying employer. An employee is someone who is hired

of at least 30 hours per week with your employers.

and paid by the employer. You may physically perform your

Vacation or leave time provided by the employer or leave

work at a qualifying or non-qualifying organization, as long

taken for a condition that is a qualifying reason for leave

as you are an employee of a qualifying employer. If you are

under the Family and Medical Leave Act of 1993, 29, U.S.C.

working at the location of or with an organization under

2612(a)(1) and (3) is equivalent to hours worked in qualifying

contract with your employer, the organization that hired

employment.

and pays you must be a qualifying employer, not the

organization where you perform your work.

OTHER IMPORTANT INFORMATION

A qualifying organization is a government organization, a

If you submit this form and your employer qualifies, all of

tax-exempt organization under Section 501(c)(3) of the

your loans held by the Department will be transferred to

Internal Revenue Code, or a private not-for-profit

FedLoan Servicing. FedLoan Servicing will then determine

organization that provides certain public services. Service in

how many qualifying payments you made during the period

an AmeriCorps or Peace Corps position is also qualifying

of qualifying employment within the dates provided in

employment.

Section 3.

You are not permitted to apply the same period of

service to receive PSLF and the Teacher Loan Forgiveness

and Civil Legal Assistance Attorney Student Loan

Repayment programs.

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Application For Forgiveness - Public Service Loan Forgiveness (Pslf) - U.s. Department Of Education Page 5

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