{"id":9053,"date":"2024-05-03T08:49:21","date_gmt":"2024-05-03T13:49:21","guid":{"rendered":"https:\/\/www.graduateprogram.org\/?p=9053"},"modified":"2024-05-03T08:49:21","modified_gmt":"2024-05-03T13:49:21","slug":"how-educators-can-apply-for-public-service-student-loan-forgiveness","status":"publish","type":"post","link":"https:\/\/www.graduateprogram.org\/blog\/how-educators-can-apply-for-public-service-student-loan-forgiveness\/","title":{"rendered":"How Educators Can Apply for Public Service Student Loan Forgiveness"},"content":{"rendered":"<p>Are\u00a0you\u00a0overwhelmed by\u00a0your student loan payments?\u00a0Are you hesitant to pursue a new job position or degree because you don\u2019t know how to pay for continuing education? The Public Service Student Loan Forgiveness Program (PSLF) might be a good option for you as an <a href=\"https:\/\/www.graduateprogram.org\/degree\/?_degree_type=masters%2Ceducation-specialist%2Cdoctorate%2Ccertificate-licensure-endorsement\" target=\"_blank\" rel=\"noopener\">educator<\/a>.<\/p>\n<p>The PSLF program forgives the remaining balance on direct loans for those who meet their requirements.<\/p>\n<p>This\u00a0may seem too good to be true, and for some, it is. While it\u2019s not hard to apply for this program, only qualifying applicants will be eligible. Read on to find out whether your loans may\u00a0be forgiven\u00a0through this program.<\/p>\n<h2><strong>General Eligibility\u00a0<\/strong><\/h2>\n<p><em><strong>Do you qualify for Public Service Loan Forgiveness (PSLF)?\u00a0<\/strong><\/em><\/p>\n<p>You may be eligible for Public Service Loan Forgiveness (PSFL) if you work for a government or not-for-profit organization. There is a list of eligible employers on the <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noopener\">Federal Student Aid website<\/a>, and you must be working full-time for one of them.<\/p>\n<p>You can\u00a0<a href=\"https:\/\/studentaid.gov\/pslf\/employer-search\" target=\"_blank\" rel=\"noopener\">use this tool<\/a>\u00a0to search for your employer\u00a0to\u00a0determine if they meet the eligibility criteria. In general, any U.S.-based government agencies, including the military, will qualify, as will organizations considered not-for-profit and listed as 501C according to the IRS. Some other not-for-profit organizations that don\u2019t qualify as 5013C will also meet the requirements;\u00a0<a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\/qualifying-public-services\" target=\"_blank\" rel=\"noopener\">see the list here<\/a>.<\/p>\n<p>When you submit your form for PSLF, you must be working for an eligible employer. That means you should submit it every year or every time you change employers to avoid having to track down past employers many years after you stopped working for them.\u00a0This\u00a0will also force you to check each time to determine whether your employer is eligible for loan forgiveness.<\/p>\n<p><em><strong>What types of federal student loans are eligible for PSLF?<\/strong><\/em><\/p>\n<p>Any loan received under the William D. Ford Federal Direct Loan (Direct Loan) Program qualifies for PSLF.<\/p>\n<p>Some examples are:<\/p>\n<ul>\n<li>Direct Subsidized Loans<\/li>\n<li>Direct Unsubsidized Loans<\/li>\n<li>Direct PLUS Loans<\/li>\n<li>Direct Consolidation Loans<\/li>\n<\/ul>\n<p>In addition to working for an eligible employer, you\u2019ll also need to have made 120 qualifying monthly payments through one of the following\u00a0<a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service#qualifying-repayment-plans\" target=\"_blank\" rel=\"noopener\">accepted repayment plans<\/a>:<\/p>\n<ul>\n<li>Saving on a Valuable Education (SAVE) Plan\u2014formerly the REPAYE Plan<\/li>\n<li>Pay As You Earn (PAYE) Repayment Plan<\/li>\n<li>Income-Based Repayment (IBR) Plan<\/li>\n<li>Income-Contingent Repayment (ICR) Plan<\/li>\n<\/ul>\n<p>These are all income-driven repayment plans (IDR), meaning\u00a0that\u00a0they base your monthly payment cost on your income and\u00a0your\u00a0household size.<\/p>\n<p>Keep in mind\u00a0that not all borrowers will qualify for these IDR plans, and some might even increase your monthly repayment cost. Also, depending on how much you borrowed and your income, there\u2019s a possibility that\u00a0your loans could be paid off\u00a0before you\u2019ve reached 120 payments. It will take a minimum of 10 years to make this many payments.<\/p>\n<p>The Federal Student Aid website offers this helpful\u00a0<a href=\"https:\/\/studentaid.gov\/loan-simulator\/\" target=\"_blank\" rel=\"noopener\">loan simulator<\/a>\u00a0for\u00a0those who want to explore their\u00a0various repayment options.<\/p>\n<h2><strong>Application Process<\/strong><\/h2>\n<p><strong>\u00a0<\/strong><em><strong>When should you apply for PSLF?<\/strong><\/em><\/p>\n<p>After\u00a0you have determined\u00a0that you are working for an eligible employer, you are free to submit your\u00a0<a href=\"https:\/\/studentaid.gov\/pslf\/\" target=\"_blank\" rel=\"noopener\">PSLF form<\/a><em>.\u00a0<\/em>You\u00a0will not immediately receive loan forgiveness, however.\u00a0It would help if you\u00a0were still forgiven, but you do not need to make these payments\u00a0in order to\u00a0fill out\u00a0the form.\u00a0As we stated above, the government recommends that you fill out the form yearly or every time you change employers so that you don\u2019t have to submit forms for all your employers\u00a0at once.<\/p>\n<p>After you submit your form and the PSLF servicer confirms that you work for an eligible employer and that your loans qualify, your loans will transfer to the PSLF servicer, and you\u2019ll receive a letter\u00a0in the mail\u00a0telling you how many qualifying payments you\u2019ve made.\u00a0This number will be updated\u00a0every time you submit a new form, which is why it\u2019s easier to submit the forms annually than wait until the last minute. The government will keep track of your payments as you submit each new form.<\/p>\n<p>The servicer will forgive your remaining loan balance once you receive a letter stating that you\u2019ve made 120 payments.<\/p>\n<h3><em>Step-By-Step\u00a0Guide to Submitting the PSLF Application<\/em><\/h3>\n<p>There are two ways to submit the PSLF form:<\/p>\n<ul>\n<li>Manually, by\u00a0<a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/public-service-application-for-forgiveness.pdf\" target=\"_blank\" rel=\"noopener\">downloading and printing a paper copy<\/a><\/li>\n<li>Digitally, using the\u00a0<a href=\"https:\/\/studentaid.gov\/pslf\/\" target=\"_blank\" rel=\"noopener\">PSLF help tool<\/a><\/li>\n<\/ul>\n<p>Both the\u00a0paper application and the tool should take approximately 30 minutes to complete. All you need to get started is a recent W2 from your employer(s) or their Federal Employer Identification Number (EIN)<\/p>\n<p>Regardless of\u00a0which option you choose, after you fill out the form, you\u2019ll need to send it to your employer(s) for their signature(s) to verify your employment. Then you\u2019ll need to either electronically submit the\u00a0form,\u00a0or send the paper application to MOHELA, ED\u2019s federal loan servicer for the PSLF Program.<\/p>\n<h2><strong>Maximizing Benefits\u00a0<\/strong><\/h2>\n<p><em><strong>How could the recent PSLF program improvements benefit you?<\/strong><\/em><\/p>\n<p><a href=\"https:\/\/studentaid.gov\/announcements-events\/pslf-limited-waiver\" target=\"_blank\" rel=\"noopener\">The PSLF Waiver opportunity previously<\/a> stated,\u00a0\u201callowed borrowers to receive credit for past periods of repayment that would otherwise not qualify for PSLF.\u00a0This opportunity was announced\u00a0on\u00a0Oct.\u00a06, 2021, and ended on\u00a0Oct.\u00a031, 2022.\u00a0Beginning Nov. 1, 2022, the normal program requirements for\u00a0<a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\" target=\"_blank\" rel=\"noopener\">PSLF<\/a>\u00a0and\u00a0<a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\/temporary-expanded-public-service-loan-forgiveness\" target=\"_blank\" rel=\"noopener\">TEPSLF<\/a>\u00a0resumed.\u201d<\/p>\n<p>Although the waiver has ended, many\u00a0of its\u00a0benefits have\u00a0been continued\u00a0through the IDR Account Adjustment, which the Biden Administration announced in 2023. The Account Adjustment expands the loan parameters much like the waiver opportunity\u00a0did,\u00a0so\u00a0that \u201c<a href=\"https:\/\/www.forbes.com\/sites\/adamminsky\/2023\/04\/19\/education-department-issues-sweeping-new-student-loan-forgiveness-guidance-for-one-time-adjustment\/?sh=21a27ef3fa6b\" target=\"_blank\" rel=\"noopener\">prior periods of repayment<\/a>, as well as certain past periods of deferment and forbearance, can count, as can periods before loan consolidation.\u201d\u00a0This\u00a0means that more people will be eligible for PSLF, so these benefits\u00a0are expected\u00a0to benefit millions of borrowers.<\/p>\n<p>If you are\u00a0currently\u00a0repaying student loans or considering taking them out, I\u00a0highly\u00a0recommend looking into the PSLF program to see if you qualify for loan forgiveness.\u00a0Don\u2019t let student loan debt keep you from pursuing a career you\u2019re passionate about!<\/p>\n<p><strong>Educators never stop learning; check out <\/strong><a href=\"https:\/\/www.graduateprogram.org\/degree\/?_degree_type=masters%2Ceducation-specialist%2Cdoctorate%2Ccertificate-licensure-endorsement\" target=\"_blank\" rel=\"noopener\"><strong>our available graduate degree programs <\/strong><\/a><strong>\u00a0to hone your skills and promote lifelong learning and academic excellence.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are\u00a0you\u00a0overwhelmed by\u00a0your student loan payments?\u00a0Are you hesitant to pursue a new job position or degree because you don\u2019t know how to pay for continuing education? The Public Service Student Loan Forgiveness Program (PSLF) might be a good option for you as an educator. The PSLF program forgives the remaining balance on direct loans for those [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":9054,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[131],"tags":[272,859,1258],"class_list":["post-9053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to-pay-for-grad-school","tag-doctoral","tag-masters","tag-publicservicestudentloanforgiveness"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Educators Can Apply for Public Service Student Loan Forgiveness - Graduate Programs for Educators<\/title>\n<meta name=\"description\" content=\"Are you overwhelmed by your student loan payments? 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