Which PSLF Requirements Are Waived Until October 31, 2022

Posted by Russell W. DombrowSep 09, 2022

Here's what's changed and what's unchanged about the Public Service Loan Forgiveness (PSLF) program as of October 6, 2021.

Changes Until October 31, 2022

Receive credit for periods of repayment on Direct, FFEL, or Perkins Loans
Periods of repayment under any plan count
Periods of repayment on loans before consolidation count, even if on the wrong repayment plan
Periods of repayment where payments were late or for less than the amount due also count
Periods of repayment on loans before consolidation count, even if paid late or for less than the amount due
Can get forgiveness even if not employed or not employed by a qualifying employer at the time of application and forgivenes
If you got Teacher Loan Forgiveness, the period of service that led to your eligibility can count toward PSLF if you certify PSLF employment for that period.

Normal PSLF Requirements

Receive credit only on Direct Loans
Repay under the 10-year Standard Plan or an income-driven repayment plan
Make on-time payments
Work full time for a qualifying employer in order to receive credit
Must work for a qualifying employer at the time of application and forgiveness
If you got Teacher Loan Forgiveness, the period of service that led to your eligibility cannot also count toward PSLF.

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.

About the Author

Russell W. Dombrow

U.S. Court of Appeals for the Second Circuit (Connecticut, New York State, Vermont) U.S. Court of International Trade (inactive) U.S. District Court for the Eastern District of New York U.S. District Court for the Northern District of Indiana U.S. District Court for the Northern District of New York U.S. Bankruptcy Court for the Northern District of New York U.S. District Court for the Southern District of New York U.S. District Court for the Western District of New York U.S. Bankruptcy Court for the Western District of New York New York State

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Which PSLF Requirements Are Waived Until October 31, 2022

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About the Author

Russell W. Dombrow