Public Service Loan Forgiveness (Pslf): Employment Certification Form printable pdf download

Federal Student Aid

Public Service Loan Forgiveness Program

Dear Federal Student Loan Borrower:

Thank you for your interest in the Direct Loan Public Service Loan Forgiveness (PSLF) Program. The PSLF

Program was established by Congress with the passage of the College Cost Reduction and Access Act of 2007,

and was created to encourage individuals to enter lower-paying but vitally important public sector jobs such as

military service, law enforcement, public education, and public health professions. The PSLF Program allows

eligible borrowers to qualify for forgiveness of the remaining balance of their William D. Ford Federal Direct Loan

(Direct Loan) Program loans after they have served full time at a public service organization for at least 10 years,

while making 120 qualifying payments.

This letter provides important information about the PSLF Program, including information on how to determine if

your employment and loan payment history meet the program’s loan forgiveness requirements. To better assist

you, the U.S. Department of Education (ED) is providing a series of materials, including an employment

certification form that allows you to track periods of eligible employment and eligible loan payments. In addition,

these materials will allow you to find out if your job and loan payments will qualify for loan forgiveness in the

future. If you are eligible, these materials will assist you in determining how many payments you have left to make

to qualify for loan forgiveness.

What must I do to have any remaining balances on my Direct Loans forgiven under the PSLF

Program?

 You must make 120 on-time, full, scheduled, monthly payments on you Direct Loans. Only payments made

after October 1, 2007, qualify.

 You must make those payments under a qualifying repayment plan.

 When you make each of those payments, you must be working full-time at a qualifying public service

organization.

The following Q&As provide you with detailed information on the PSLF requirements.

What loans qualify for forgiveness?

Only loans you received under the Direct Loan Program are eligible for PSLF. Loans you received under the

Federal Family Education Loan (FFEL) Program, the Federal Perkins Loan (Perkins Loan) Program, or any other

student loan program are not eligible for PSLF.

If you have FFEL Program or Perkins Loan Program

loans, you may consolidate them into a Direct

If some or all of your loans are

Consolidation Loan to take advantage of PSLF.

However, only payments you make on the new Direct

not eligible for PSLF, you can

Consolidation Loan will count toward the required 120

qualifying payments for PSLF. Payments made on your

consolidate.

FFEL Program and Perkins Loan Program loans

before they were consolidated, even if they were made

under a qualifying repayment plan, do not count as

eligible PSLF payments.

If you are interested in consolidating your FFEL Program or Perkins Loan Program loans into a Direct

Consolidation Loan, please visit for more information and an electronic

application. If you do not know what type of loans you have, please visit

What are on-time, full, scheduled monthly payments?

On-time payments are those that are received by your federal loan servicer no later than 15 days after the

scheduled payment due date.

Public Service Loan Forgiveness (Pslf): Employment Certification Form

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