Public Service Loan Forgiveness (Pslf): Employment Certification Form (Page 3 of 10) in pdf

A private not-for-profit employer that is not a tax-exempt organization under section 501(c)(3) of the IRC may be a

qualifying public service organization if it provides certain specified public services. These services include:

emergency management, military service, public safety, law enforcement services; public health services; public

education, public library services; school library and other school-based services; public interest law services,

early childhood education; public service for individuals with disabilities and the elderly. The organization must not

be a labor union or a partisan political organization.

Generally, the type or nature of employment with the organization does not matter for PSLF purposes. However,

when determining full-time public service employment at a not-for-profit organization you may not include time

spent participating in religious instruction, worship services, or any form of proselytizing.

What is full-time employment?

You must meet your employer’s definition of full-time.

Most often, it’s your employer’s

However, for PSLF purposes, that definition must be

definition of full-time that

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

purposes of the full-time requirement, your qualifying

counts.

employment at a not-for-profit organization does not

include time spent participating in religious

instruction, worship services, or any form of

proselytizing.

If you are a teacher, or other employee of a public service organization, under contract for at least eight out of 12

months, you meet the full-time standard if you work an average of at least 30 hours per week during the

contractual period and receive credit by your employer for a full year’s worth of employment.

If you are employed in more than one qualifying part-time job simultaneously, you may meet the full-time

employment requirement if you work a combined average of at least 30 hours per week with your employers.

What does it mean that my 120 Direct Loan payments must be made while I am working full-time

at certain public service organizations?

For a payment to count as one of the required 120 qualifying payments, you must be a full-time employee at a

qualifying public service organization on the date that your federal loan servicer receives your monthly Direct

Loan payment.

In addition, you must be a full-time employee at a qualifying public service organization at the time you apply for

PSLF Program loan forgiveness and at the time forgiveness is granted.

How can I keep track of my eligibility?

Because it will take at least 10 years for you to make the 120 qualifying payments necessary to receive PSLF, we

have created a form that you should submit to us and a process that you should follow so that we can assist you

in tracking your periods of qualifying employment and your qualifying payments.

The form allows you to get your employer’s certification of employment while you are still employed at that

organization or shortly after leaving. The process allows you to receive confirmation of qualifying employment and

your Direct Loan payment eligibility. You may also submit the form less frequently than annually to cover more

than one year’s employment or for more than one employer.

While use of this form and process is not required, if you want us to track your progress toward meeting the PSLF

eligibility requirements, you should follow the steps below. If you do not periodically submit the form, you are still

required to submit a form for each employer that you want considered for PSLF at the time that you apply for

forgiveness.

Step 1 – Complete, with your employer’s certification, the Employment Certification for Public Service Loan

Forgiveness form (Employment Certification form) annually or whenever you change jobs. The PSLF

Employment Certification form is available at

Public Service Loan Forgiveness (Pslf): Employment Certification Form Page 3

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