PSLF Waiver FAQ

On Oct. 6, 2021, the U.S. Department of Education (ED) announced a change to Public Service Loan Forgiveness (PSLF) program rules for a limited time as a result of the COVID-19 national emergency. This change is also known as the temporary PSLF waiver. For a limited period of time, borrowers may receive credit for past periods of repayment that would otherwise not qualify for PSLF. 

This page is intended to address frequently asked questions regarding the PSLF program, the temporary PSLF waiver, and PSLF qualifications and eligibility.

Please note that the information provided below is limited to what the Department of Education has deemed appropriate for UHEAA to share. Further questions should be directed to the Department of Education at 1-800-4-FEDAID (1-800-433-3243). You may also visit https://studentaid.gov/pslf/ for more information.

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General Information

I work in public service. Do I qualify for what’s now offered? If not, how do I qualify?

At this point in time, you do not qualify for PSLF because you do not have a Direct Loan; however, the Department of Education’s temporary PSLF waiver makes it easier for you to take advantage of the PSLF program. This waiver allows for any payments made while working for a qualifying employer to count as a qualifying payment, regardless of loan type or repayment plan.

In order to qualify, you will need to consolidate your FFELP loans into a Direct Loan and submit a PSLF application to your new servicer. Doing so before October 31, 2022, will allow you to take advantage of the limited PSLF waiver. For more information on the PSLF program and waver, including employment and payment qualifications, please refer to https://studentaid.gov/pslf/.

I don’t currently work in public service but am interested in PSLF – what should I do?

In order to qualify for PSLF, you will need to consolidate your FFELP loans into a Direct Loan. We recommend consolidating as soon as possible in order to take advantage of the various Direct Loan benefits, including the temporary PSLF waiver. Details regarding this program, including employment requirements and payment qualifications, can be found at https://studentaid.gov/pslf/.

I’m not really interested in PSLF. I don’t work in the public sector.

Even if you are not currently interested or do not currently qualify for PSLF, there are benefits to consolidating your loans. Doing so will result in having a loan with one interest rate that will be serviced by one Federal servicer of your choosing. Consolidation may extend the terms or months to repay the debt, which could potentially lower your monthly payment. It also provides additional options, such as additional Income-Driven Repayment plans, and resets any postponement time you might have used. You can consolidate your loan by visiting https://studentaid.gov/consolidation. This process can be completed free of charge either online or via paper application. Please be advised that it can take anywhere from 30-90 days to complete a consolidation, but we are able to place a hold on your account if you are planning on applying.

How do I consolidate my FFELP loans?

You can consolidate your loan by visiting https://studentaid.gov/. Navigate to the “Manage Loans” section near the top of the page, then select “Consolidate My Loans”. This process can be completed free of charge either online or via paper application. Please be advised that this process can take anywhere from 30-90 days to complete, but we are able to place a hold on your account during this time.

When do I have to consolidate?

In order to take advantage of the limited PSLF waiver, you will need to consolidate and submit a PSLF application before October 31, 2022. This waiver allows for any payments made while working for a qualifying employer to count as a qualifying payment, regardless of loan type or repayment plan. If you are going to consolidate, we can place your account on hold during that time. For more information on the PSLF program and waiver, please refer to https://studentaid.gov/pslf.

Where can I get more information?

For more information, please refer to https://studentaid.gov/pslf. Any further questions should be directed to the US Department of Education at 1-800-4-FEDAID (1-800-433-3243).

Qualification

My previous PSLF application was denied, do I qualify now?

Your previous PSLF application would have been denied because you do not have Direct Loans. In order to qualify for PSLF, you will need to consolidate your FFELP loans into a Direct Loan and submit a PSLF application to your new servicer. Doing so before October 31, 2022, will allow you to take advantage of the limited PSLF waiver. This waiver allows for any payments made while working for a qualifying employer to count as a qualifying payment, regardless of loan type or repayment plan. If you are going to consolidate, we can place your account on hold during that time. For more information on the PSLF program and wavier, please refer to https://studentaid.gov/pslf/.

How many qualifying payments have I made?

You may be eligible for additional qualifying payments as a result of the new limited PSLF waiver. Unfortunately, UHEAA does not track qualifying payments for PSLF. To determine whether or not you have already made qualifying payments for PSLF under the limited PSLF waiver, you need to register for an FSA ID (if you don’t already have one) and log in to the PSLF Help Tool to check if your employer qualifies. This tool is found at https://studentaid.gov/pslf/. You will need your employer’s Federal Employer Identification Number; you can confirm that you have the correct number by checking your IRS Form W-2.

In order to qualify for PSLF and actualize these limited wavier benefits, you will need to consolidate your FFELP loans into a Direct Loan and submit a PSLF application to your new servicer before October 31, 2022. Your new servicer will then be able to provide you with information regarding the number of qualifying payments you have made. If you are going to consolidate, we can place your account on hold during that time. For more information on the PSLF program and wavier, please refer to https://studentaid.gov/pslf/.

I have Parent PLUS loans. Can I qualify for PSLF?

Parent PLUS loans can qualify for PSLF but do not qualify for the limited PSLF waiver that allows for previous payments to count as qualifying payments. In order to qualify for PSLF, you will need to consolidate your FFELP loans in into a Direct Loan and then submit a PSLF application to your new servicer. If you are going to consolidate, we can place your account on hold during that time. For more information on the PSLF program and wavier, please refer to https://studentaid.gov/pslf/.

How do I know if my employment qualifies for PSLF?

To determine whether or not your employment qualifies for PSLF you will need to register for an FSA ID (if you don’t already have one) and log in to the PSLF Help Tool at https://studentaid.gov/pslf/. You will also need your employer’s Federal Employer Identification Number – you can confirm that you have the correct number by checking your IRS Form W-2.

If your employer qualifies, you will need to consolidate your FFELP Loans into a Direct loan and submit a PSLF application to your new servicer before October 31, 2022 in order to take advantage of these limited waiver benefits. Your new servicer will then be able to provide you with information regarding the number of qualifying payments you have made. You can consolidate your loan by visiting https://studentaid.gov/consolidation.

I’m a military member, how do I qualify for PSLF?

In order to qualify for PSLF, you will need to consolidate your FFELP loans into a Direct Loan and submit a PSLF application to your new servicer. Doing so before October 31, 2022, will allow you to take advantage of the limited PSLF waiver. This waiver allows the time you spent on active duty (along with any other qualifying PSLF employment) to count toward PSLF, even if your loans were in deferment or forbearance. If you are going to consolidate, we can place your account on hold during that time. For more information on the PSLF program and wavier, please refer to https://studentaid.gov/pslf/.

Do my TILP loans qualify for PSLF?

TILP loans are not eligible for PSLF and cannot be consolidated into a Direct Loan.