Public Service Loan Forgiveness

Welcome to your
PSLF resource hub.

You’re in the right place to learn more about Public
Service Loan Forgiveness (PSLF)
, where you can
find out if you qualify for student debt forgiveness. Plus,
this hub has all the tools you may find useful to navigate the
program.

To qualify for the PSLF program, all of
the following must be true:


You’re employed full time (30 hours per week or more) by a U.S. federal, state, local, or tribal government, or a not-for-profit organization (federal service includes U.S. military service).

Have Direct Loans (or you consolidated other federal student loans into a Direct Loan).

You’re repaying your loans under an income-driven repayment (IDR) plan.

You’ve made at least 120 qualifying payments.

You’ve checked here to make sure you qualify.

Common jobs that qualify for the
PSLF program.

Doctors and nurses

Veterinarians

Teachers, college faculty, and staff

Government employees and social workers

PSLF facts.

There’s a lot to know about the PSLF program, like which federal repayment  programs qualify—and which don’t. Plus, you’ll want to learn how to enroll,  submit forms, and maintain your eligibility. Let’s dig in.

  • Student loan payments resuming

    All about the PSLF program

    All about the PSLF program:

    • Are you a non-profit or government employee?
    If yes, you could be eligible for the PSLF Program, which forgives the remaining balance on Direct Loans if you meet specific criteria. Find out if you qualify. Read more.

    • Student Loan Forgiveness 101.
    While the Supreme Court decided against Biden’s student loan forgiveness plan, PSLF is still a major option—and other options also exist. Learn more

    • Get help navigating your student debt.
    We can help you manage your debt and make your repayment plan as simple and as smooth as possible. Learn more.

  • Student loan forgiveness:

    Which federal programs qualify

    Which federal programs qualify:

    • Some federal repayment programs qualify for PSLF—and some don’t.
    Find out whether your particular federal repayment program qualifies for PSLF and which other federal programs that are eligible…or not. Plus, get even more answers about student debt repayment. Learn more.

    • Quiz: Still paying off your loans but thinking of making a repayment switch?
    You can take this quiz to get a better understanding of your options and see example scenarios that could be similar to yours. Read more.

  • Interest rates and inflation:

    How to enroll or maintain eligibility

    How to enroll or maintain eligibility:

    • The five important steps for enrolling in the PSLF program.
    There are very important steps in this process—make sure you know exactly what they are and what you need to do. Learn more.

    • You can get help enrolling.
    The Department of Education is here for you. Their online PSLF tool can help you get a clearer picture of where you stand, while also helping you manage the entire PSLF enrollment process. Get started.

    • What if you refinance? Can you still qualify for PSLF?
    There are some pros and cons to refinancing or enrolling in PSLF. You may want to leave public service or pay off your loans sooner. But valuable “forgiveness” may be off the table depending on what you decide. Read more.

Your one-stop shop for all things student loans.

Get important student loan info—all in one place. Watch helpful webinars, download our comprehensive guide, or connect with a student debt specialist who can help you manage your loans.

Learn more

Have more questions?
Our team can help you find your way. 

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  • SoFi Student Loan Specialist

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