You must have worked full time for a qualifying employer during the calendar month you were also in repayment on your loan. You can receive credit only for periods of repayment after October 1, 2007, when the PSLF Program began. If you haven't done so already, you must file a Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application (PSLF form) for any period where you are seeking additional credit toward PSLF.
If you have FFEL Program loans, Federal Perkins Loans, or other types of federal student loans that are not Direct Loans (for example, those from older loan programs, such as Federally Insured Student Loans [FISL] or National Defense Student Loans [NDSL]), you must consolidate them into the Direct Loan Program by October 31, 2022. Pro tip: You can log in to Aid Summary to find out how many and what types of loans you have.
If you have additional questions about this limited time opportunity to benefit from the PSLF waiver, then please go to the Education Department's PSLF Waiver webpage.
Or, contact the Dombrow Law Firm to learn how to schedule a Federal student loan analysis of your situation.