Türkçe bir çok hileye brawl stars hile ile ulaşın.

Home

Benefits & Services

Union Leadership

News

PAC

Calendar

News

PUBLIC STUDENT LOAN FORGIVENESS - Frequently Asked Questions (FAQ)

Must apply by Halloween - October 31, 2022

Printable PDF version:  pdf PSLF FAQ (164 KB)

What is the Public Service Loan Forgiveness (PSLF) Program?

The PSLF Program is a federal loan debt relief program. Unlike Income-Driven Repayment (IDR) plans, PSLF is not a payment plan. Rather, it is a separate program that incentivizes a career in the public service by forgiving the remaining balance on a federal loan after 10 years (or 120 payments) under a qualifying repayment plan while working full-time in the public service. (Note: Only certain loans and repayment plans qualify for PSLF.)

What must I do to qualify for forgiveness under the PSLF Program?

To qualify for PSLF, you must:

  1. Be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization;
    • The following types of organizations do not qualify for PSLF: labor unions, partisan political organizations and for-profit organizations.
  2. Work full-time for that agency or organization;
    • If you meet your employer’s definition of full-time or work at least 30 hours per week, whichever is greater.
  3. Have Direct Loans under the William D. Ford Direct Loan Program;
    • Loans from these federal student loan programs don't qualify for PSLF:
      • the Federal Family Education Loan (FFEL) Program and the Federal Perkins Loan (Perkins Loan) Program, unless they are consolidated into a Direct Consolidation Loan.
      • Student loans from, or refinanced with, a private lender do not qualify for PSLF.
  4. Repay your loans under a 10-year standard repayment play or an income-driven repayment (IDR) plan;
    • There are four (4) IDR plans:
      • Pay As you Earn (PAYE)
      • Revised Pay as You Earn (REPAYE)
      • Income Contingent Repayment (ICR)
      • Income-Based Repayment (IBR)
    • While payments made under the 10-year Standard Repayment Plan are qualifying payments, you would have to change to an IDR plan to benefit from PSLF. (Note: If you are on a 10-year Standard Repayment Plan, your loan would be paid in full after 120 payments and there would be no loan balance to be forgiven under PSLF.)
    • For more information, see FAQ on Income-Driven Repayment Plans.
  1. Make 120 qualifying payments.
    • A payment qualifies when it is made after October 1, 2007; under a qualifying IDR plan; for the full amount due as shown on your bill; within 15 days of your due date; and while you are employed full-time by a qualifying employer.
    • You can’t make a qualifying monthly payment while your loans are in an in-school status; during the grace period; in deferment; or in forbearance, except for the COVID-19 administrative forbearance. (See FAQ on COVID- 19 Emergency Relief.)

Do I have to certify my employment in order to qualify for PSLF?

Yes. In order to qualify for Public Service Loan Forgiveness (PSLF), you will need to certify that you have been employed by a qualified employer during the months in which you made your 120 payments. You should complete and submit the PSLF Certification and Application, which includes the employer certification, every year while you are making progress towards PSLF. The PSLF form is available at https://www.afscme.org/member-resources/student-debt-resources.

The employment certification section of the PSLF Application will need to be certified by a manager who has access to your employment or service records and is authorized by your employer to certify your employment. This will often be someone in the human resources department, though in some cases your direct supervisor or another individual may be authorized to certify your employment. Check with your employer to see who is allowed to certify your employment.

If you do not submit the PSLF Application annually, then at the time you apply for forgiveness, you will be required to submit employment certifications for each employer you worked for while making the required 120 qualifying monthly payments.

In order to take advantage of a limited-time PSLF waiver during the COVID-19 national emergency, it is recommended that you submit the PSLF Application for each qualifying employer you’ve had since October 2007, even if you had an ineligible loan type, repayment plan, or some other disqualifying factor. You must submit this form by October 31, 2022. 

For more information, see the FAQ on PSLF Temporary Waivers thru October 31, 2022.

How do I apply for PSLF?

Once you have made 120 qualifying payments and submitted the required employer certifications for each employer you worked for while making your payments, you should fill out and submit the PSLF Certification and Application. In Section 2 of the application, you should select “I believe I qualify for forgiveness under PSLF or TEPSLF right now.” The PSLF and TEPSLF Certification and Application is available at https://www.afscme.org/member-resources/student-debt-resources.

Where can I find additional information about the PSLF Program?

You can find additional information on the following websites:

 

Printable PDF version: pdf PSLF FAQ (164 KB)

İnternet ortamında bulabileceğiniz Türk Porno sex indir sitesi sizlere zevk dolu anlar yaşatmak için hazır. Hiç bir yerde denk gelemeyeceğiniz türk sex videoları sayesinde hazıın doruklarını yaşamaya başlayın. Her anınında farklı zevk yaşayacağınız anal sex için özel bir kategorimiz de bulunuyor. Ücretsiz bir yapı şeklinde olan resim yükle adresi sayesinde tüm dosyalarınız artık güvende. Her bilgisayarın ihtiyacı olan Office 2013 Professional Lisans Key Satın Al sitesi sizlere büyük avantaj sağlayacaktır. Android cihazlarınızda sorunsuz bir şekilde Clash of Clans hileli apk indirme işlemi gerçekleştirerek oyun zevkinize kaldığınız yerden devam edebilir extra olarak gta5 apk indir konusunu da incelemeye a labilirsiniz. Etkileşimi az olan bir gönderiniz için facebook paylaşım satın al sitesi sayesinde gönderinizi çok daha fazla kişiye erişimini sağlaya bilirsiniz. Telefonun ucunda sohbet hattı numaraları hizmetinden yararlanan bir çok ateşli kadın ile eşleşmeye hemen başla, bir çok sex telefon hattı numarası sizlere ulaşamayacağınız kadınlara erişimde kolaylık sağlar. Hemen ulaşım sağlaya bileceğiniz seks sohbet kadınlara hemen konuşmaya başlayın. Her dakikası eğlence dolu geçecek olan sex numaraları ile hiç tadmadığınız duygulara anlık yaşayın. Deneyimleyeceğiniz telefonda seks hattı hizmeti anlık olarak sizlere eğlencenin diblerine oturtacak. hemen sizlerde sıcak sohbet hattı adresi üzerinden güzel bir numara ile ateşli kadınlara ulaşım sağlayarak telefonda sohbet olaylarına başlayın. Telefonda Canlı Ucuz Sohbet Hattı ile en Uygun hizmet garantisi sizlerle.