Public Service Loan Forgiveness (PSLF)

Public Service Loan Forgiveness Program

You may qualify for the Public Service Loan Forgiveness (PSLF) Program. PSLF is a federal program that forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

To qualify for PSLF you must:

• • be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service);


• • Governors State University is a qualifying employer


• • work full-time for that agency or organization;


• • have Direct Loans (or consolidate other federal student loans into a Direct Loan);


• • repay your loans under an income-driven repayment plan*; and


• • *Under the limited PSLF waiver mentioned above, loan payments made under a different repayment plan may qualify. Learn more here.


• • make 120 qualifying payments.

On Oct. 6, 2021, the U.S. Department of Education (ED) announced a temporary period during which borrowers may receive credit for payments that previously did not qualify for PSLF or TEPSLF.

• • PSLF Limited Waiver Announcement


• • This limited PSLF waiver only applies to student loan borrowers who have Direct Loans or consolidate into the Direct Loan Program by October 31, 2022

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Additional Resources

• • PSLF Help Tool - use this tool to evaluate your eligibility for the program. You will be required to create an account at https://studentaid.gov/


• • PSLF Program FAQs


• • PSLF PowerPoint


• • PSLF Application Walkthrough PowerPoint

For GovState Employees:

• • HR will sign sections 3 and 4. Signatures must be hand drawn, they cannot be digital signatures, even if it is digital cursive.


• • Please make sure to make copies for yourself and the date when you submitted it to Mohela as the turnaround time is around 90 days.