Public Service Loan Forgiveness (Pslf): Employment Certification Form Page 5
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6SECTION 8: IMPORTANT INFORMATION ABOUT PSLF (CONTINUED)
Loan Eligibility (Continued)
Employment Eligibility (Continued)
If you have FFEL Program or Perkins Loan Program loans,
You must be employed full-time by your employer.
you may consolidate them into a Direct Consolidation Loan
Generally, you must meet your employer's definition of
to take advantage of PSLF. However, payments made on
full-time. However, for PSLF purposes, that definition must
your FFEL Program or Perkins Loan Program loans before
be at least an annual average of 30 hours per week. For
you consolidated them, even if they were made under a
purposes of the full-time requirement, your qualifying
qualifying repayment plan, do not count as qualifying PSLF
employment at a 501(c)(3) organization or a not-for-profit
payments. In addition, if you made qualifying payments on a
organization does not include time spent participating in
Direct Loan and then consolidate it into a Direct
religious instruction, worship services, or any form of
Consolidation Loan, you must start over making qualifying
proselytizing.
payments on the new Direct Consolidation Loan.
If you are a teacher, or other employee of a public service
If you consolidate your FFEL Program or Perkins Loan
organization, under contract for at least eight out of 12
Program loans into a Direct Consolidation Loan to take
months, you meet the full-time standard if you work an
advantage of PSLF and do not have any Direct Loans, do not
average of at least 30 hours per week during the contractual
submit this form until you have consolidated your loans. The
period and receive credit by your employer for a full year's
online application for Direct Consolidation Loans contains a
worth of employment.
section that allows you to indicate that you are
If you are employed in more than one qualifying part-
consolidating your loans for PSLF. The online application is
time job simultaneously, you may meet the full-time
available at StudentLoans.gov. If you don't know whether
employment requirement if you work a combined average
you have Direct Loans, go to StudentAid.gov/login.
of at least 30 hours per week with your employers.
Employment Eligibility
Vacation or leave time provided by the employer or leave
To qualify for PSLF, you must be an employee of a
taken for a condition that is a qualifying reason for leave
qualifying organization. An employee is someone who is
under the Family and Medical Leave Act of 1993, 29, U.S.C.
hired and paid by the organization. You may physically
2612(a)(1) and (3) is equivalent to hours worked in qualifying
perform your work at a qualifying or non-qualifying
employment.
organization, so long as your employer is a qualifying
Other Important Information
organization. If you are a contracted employee, the
The submission of this form before you apply for PSLF is
organization that hired and pays you must qualify, not the
optional. However, if you wait to submit this form until you
organization where you perform your work. The type or
apply for PSLF, you will be required to submit one form for
nature of employment with the organization does not
each employer that you want considered toward your
matter for PSLF purposes.
eligibility for PSLF.
A qualifying organization is a government organization
If you submit this form and your employer qualifies, all of
or a tax-exempt organization under Section 501(c)(3) of the
your loans held by the Department will be transferred to
Internal Revenue Code (IRC). Service in an AmeriCorps or
FedLoan Servicing. FedLoan Servicing will then determine
Peace Corps position is also qualifying employment. The
how many qualifying payments you made during the period
type of services that these organizations provide does not
of qualifying employment within the dates provided in
matter for PSLF purposes.
Section 3.
A private not-for-profit organization that is not a tax-
You are not permitted to apply the same period of
exempt organization under Section 501(c)(3) of the IRC may
service to receive PSLF and the Teacher Loan Forgiveness,
be a qualifying organization if it provides certain specified
Service in Areas of National Need, and Civil Legal Assistance
public services. These services include emergency
Attorney Student Loan Repayment programs.
management, military service, public safety, or law
enforcement services; public health services; public
No borrower will be eligible for PSLF until October 2017
education or public library services; school library and other
at the earliest. An application for PSLF will be made available
school-based services; public interest law services; early
at a later time.
childhood education; public service for individuals with
disabilities and the elderly. The organization must not be a
business organized for profit, a labor union, or a partisan
political organization.
Employment as a member of the U.S. Congress is not
qualifying employment.
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