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Public Service Loan Forgiveness (PSLF)

The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. If eligibility is met, military spouses can apply.

To be eligible:

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. If eligibility is met military spouses may qualify.

Under this program, you may qualify for forgiveness of the remaining balance due on your William D. Ford Federal Direct Loan (Direct Loan) Program loans after you have made 120 qualifying payments on those loans while employed full-time by certain public service employers. Since you must make 120 qualifying payments on your eligible federal student loans after Oct.1, 2007, before you can qualify for the loan forgiveness, the first forgiveness of loan balances will not be granted until October 2017.

Qualifying employment for the PSLF Program is not about the specific job that you do for your employer. Rather, it is about who your employer is. Employment with the following types of organizations qualifies for PSLF:

PSLF applies to federal Stafford, Grad Plus, or consolidation loans as long as they are in the DirectLoan Program. Borrowers with Federal Family Education Loan Program (FFELP) loans must switch to the Direct Loan program to participate in this benefit.

Learn more with this PSLF fact sheet.

Have question? PSLF Common Questions and Answers.


Other Resources

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MySECO

To address military spouses’ unique combination of work-life interests and priorities, the Department of Defense (DoD) has established a comprehensive, holistic, spouse-centered program called SECO: Spouse Education and Career Opportunities. It is part of DoD’s commitment to overall spouse health and well-being.

Learn More
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Fisher House Foundation Scholarship Finder

Scholarships for Service is a free public resource for students of families with a military service background to search and access thousands of scholarship options. Every scholarship listed here is specifically tailored for active, guard and reserve military, Veterans, retired personnel or their families.

Learn More