Federal Student Aid began accepting and reviewing applications from borrowers seeking loan forgiveness under the Public Service Loan Forgiveness (PSLF) Program in the fall of 2017. The PSLF Program, which was established under the College Cost Reduction and Access Act of 2007, permits Direct Loan borrowers who make 120 qualifying monthly payments under a qualifying repayment plan, while working full-time for a qualifying employer, to have the remainder of their balance forgiven. Detailed requirements about how to qualify for forgiveness under this program are provided on the Public Service Loan Forgiveness page.
In 2012, Federal Student Aid introduced the Employment Certification Form (ECF), which borrowers can submit to verify that their employment qualifies for the PSLF Program. Although the form is voluntary, borrowers are strongly encouraged to submit an ECF annually or whenever they change jobs to help track their progress. In 2018, Federal Student Aid launched the PSLF Help Tool, to—among other things—help borrowers better assess their eligibility for PSLF loan forgiveness and decide which PSLF form to submit.
The Consolidated Appropriations Act, 2018 provided limited, additional conditions under which borrowers may become eligible for loan forgiveness if some or all of the payments made on Direct Loans were under a nonqualifying repayment plan for PSLF. This reconsideration is referred to as the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) opportunity. Detailed information about the limited opportunity, including how to request consideration, is available on the TEPSLF page.
The report below provides information and analysis about ECFs. The report below also includes data about PSLF and has been expanded to include common reasons for rejected applications. Lastly, the report now includes information about TEPSLF. This report will be updated on a quarterly basis.
Note: Definitions are available on the second tab of the report.