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On October 6, 2021, the U.S. Department of Education (ED) announced a limited-time change to the Public Service Loan Forgiveness (PSLF) program rules that may allow you to get credit for past periods of repayment that otherwise would not qualify for PSLF. Under the limited PSLF waiver, you may be eligible for PSLF credit on loans that normally wouldn’t qualify. If you have qualifying employment during the repayment periods of these loans that you want evaluated under the limited PSLF waiver, take the following actions:
Verify your employer’s eligibility for PSLF by logging into the PSLF help Tool at SudentAid.gov/pslfwaiver. You will need the employer’s Federal Employer Identification Number from box B on your Form W-2;
Apply to consolidate these loans into a Direct Consolidation Loan; and
Submit a Public Service Loan (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF form) for each eligible employer.
For more information about the limited PSLF waiver including any actions you need to take to benefit from it, please visit StudentAid.gov/pslfwaiver.
To learn more about the loan consolidation process and to decide if consolidation is right for you, visit the loan consolidation page on Student Aid.gov (StudentAid.gov/manage-loans/consolidation.)