If your PSLF application was denied because some or all of your payments were not made on a qualifying repayment plan for PSLF, you may be able to receive loan forgiveness under a temporary opportunity.

Learn more to see how to request consideration.

Temporary Expanded Public Service Loan Forgiveness

The Consolidated Appropriations Act, 2018 provided limited, additional conditions under which you may become eligible for loan forgiveness if some or all of the payments you made on your William D. Ford Federal Direct Loan (Direct Loan) Program loans were under a nonqualifying repayment plan for Public Service Loan Forgiveness (PSLF). The U.S. Department of Education (ED) is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) opportunity.

If you believe you qualify for the TEPSLF opportunity, it’s important to read the information on this page and send ED your TEPSLF request email as soon as possible. This opportunity is temporary, has limited funding, and must be provided on a first come, first served basis. Once all of the funds are used, the TEPSLF opportunity will end.

How do I qualify for TEPSLF?
Which form is the PSLF application?
If my PSLF application was denied, why would I be eligible under TEPSLF?
How do I request TEPSLF consideration?
What will happen after I send my TEPSLF request email?
I was informed that I’m being considered for the TEPSLF opportunity. When will ED complete its review and determine if I’m eligible for TEPSLF?
How will I receive the results of my TEPSLF eligibility review?
What additional information may be needed from me?
If I’m eligible for TEPSLF, how will I be informed and what will happen next?
If my eligible Direct Loans are forgiven under TEPSLF, will I need to pay income tax on the forgiveness amount?
If I’m not eligible for TEPSLF, how will I be informed and what should I do next?
Whom do I contact with questions about TEPSLF?


How do I qualify for TEPSLF?

To qualify for loan forgiveness under the TEPSLF opportunity, you must have

  • submitted the Public Service Loan Forgiveness (PSLF): Application for Forgiveness (PSLF application) and had that application denied only because some or all of your payments were not made under a qualifying repayment plan for PSLF;
  • had at least 10 years of full-time employment certified by a qualifying employer and approved by FedLoan Servicing, ED’s federal loan servicer for the PSLF Program;
  • met the TEPSLF requirement for the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF to be at least as much as you would have paid under an income-driven repayment plan; and
  • made 120 qualifying payments under the new requirements for TEPSLF while working full-time for your qualifying employer or employers.

    Note: At a minimum, a qualifying monthly payment is a payment that you made

    • after Oct. 1, 2007;
    • for the full amount due as shown on your bill;
    • no later than 15 days after your due date; and
    • while employed full-time by a qualifying employer.

Only Direct Loans—one type of federal student loan—are eligible for the TEPSLF opportunity. However, neither defaulted Direct Loans nor Direct PLUS Loans made to you as a parent borrower are eligible for forgiveness under TEPSLF.

Borrowers who have only Federal Family Education Loan (FFEL) Program, Federal Perkins Loan (Perkins Loan) Program, nonfederal, and/or private loans are not eligible for the TEPSLF opportunity.

You must send an email request to have your eligibility for PSLF reconsidered. Please be aware that the TEPSLF opportunity is temporary, has limited funding, and must be evaluated on a first come, first served basis.

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Which form is the PSLF application?

The PSLF application has the title “PUBLIC SERVICE LOAN FORGIVENESS (PSLF): APPLICATION FOR FORGIVENESS” at the top of the form. You would have filled out the PSLF application to request loan forgiveness.

There’s a different PSLF form that collects employment certification information throughout your 10 years of repayment and public service. That form has the title “PUBLIC SERVICE LOAN FORGIVENESS (PSLF): EMPLOYMENT CERTIFICATION FORM” at the top. It is not the PSLF application for forgiveness.

To be potentially eligible to receive loan forgiveness under the TEPSLF opportunity, you must have submitted the PSLF application—not the PSLF employment certification form—and had that PSLF application denied only because some or all of your payments were not made under a qualifying repayment plan for PSLF.

You do not need to wait for your PSLF application to be denied before you submit your TEPSLF request.

Visit StudentAid.gov/publicservice for information about PSLF eligibility requirements and how to apply.

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If my PSLF application was denied, why would I be eligible under TEPSLF?

ED will reconsider your eligibility for PSLF using an expanded list of qualifying repayment plans. Some payments that don’t count toward loan forgiveness under PSLF may count toward forgiveness under TEPSLF.

The additional qualifying repayment plans include the Graduated Repayment Plan, Extended Repayment Plan, Consolidation Standard Repayment Plan, and Consolidation Graduated Repayment Plan. These plans don’t usually qualify for PSLF.

You will be eligible for the TEPSLF opportunity only if, among other requirements, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF are at least as much as you would have paid under an income-driven repayment plan. FedLoan Servicing will assess this and contact you if they need documentation of your income to determine whether you are eligible.

Learn more about income-driven repayment plans.

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How do I request TEPSLF consideration?

Follow these steps to request TEPSLF consideration:

  • Prepare an email to FedLoan Servicing requesting that ED reconsider your eligibility for PSLF.
  • Include the same name under which you submitted your PSLF application and your date of birth in the email.
  • Send the email to TEPSLF@myfedloan.org.

Here’s a model you can follow:

  To: TEPSLF@myfedloan.org
  Subject: TEPSLF request

  I request that ED reconsider my eligibility for public service loan forgiveness.

  • Name: [Enter the same name under which you submitted your PSLF application]
  • Date of Birth: [Enter your date of birth in MM/DD/YYYY format]

  Thank you.

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What will happen after I send my TEPSLF request email?

FedLoan Servicing will confirm that you previously submitted a PSLF application and had that application denied only because some or all of your payments were not made under a qualifying repayment plan for PSLF. In addition, FedLoan Servicing will evaluate the other basic TEPSLF eligibility conditions that are checked upfront. You will then receive an email from TEPSLF@myfedloan.org letting you know whether you can be considered for the TEPSLF opportunity.

This initial response you receive from FedLoan Servicing will tell you if you meet the basic TEPSLF eligibility conditions that are checked upfront and explain what will happen next. You’ll receive one of the following messages in that response:

  • You submitted a PSLF application that was approved and your eligible Direct Loans have been or will be forgiven under that program.
  • You submitted a PSLF application that is under review.

    If you are not determined to be eligible for loan forgiveness under the PSLF Program, your eligibility for the TEPSLF opportunity will be evaluated automatically because you have already sent your email request for reconsideration. FedLoan Servicing will contact you again once the review is complete or if they need additional information.

  • You submitted a PSLF application that was denied and you meet the other basic TEPSLF eligibility conditions that are checked upfront. You are being considered for the TEPSLF opportunity. FedLoan Servicing will contact you again once the review is complete or if they need additional information.
  • You have not submitted a PSLF application to date and will not be evaluated for TEPSLF at this time.

    If you believe you meet the TEPSLF eligibility conditions and want to be considered for the TEPSLF opportunity, submit the PSLF application even if there are additional conditions outlined on the application that you don’t think you meet. The TEPSLF opportunity allows for expanded eligibility options, but we need the information on the PSLF application to start the evaluation process.

    If you don’t meet the conditions, you will not qualify for PSLF or for TEPSLF at this time. Visit StudentAid.gov/publicservice to learn about how to qualify for PSLF in the future.

  • You submitted a PSLF application that was denied, but you do not meet the TEPSLF eligibility conditions because
    • you have no eligible Direct Loans;
    • you have not been in repayment for at least 10 years; or
    • you have not submitted evidence of at least 120 months of full-time employment certified by a qualifying employer.

    This makes you ineligible for the TEPSLF opportunity.

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I was informed that I’m being considered for the TEPSLF opportunity. When will ED complete its review and determine if I’m eligible for TEPSLF?

ED and its federal loan servicer for the PSLF Program, FedLoan Servicing, will begin conducting TEPSLF eligibility reviews on Aug. 28, 2018.

  • If FedLoan Servicing informed you before Aug. 28 that you’re being considered for TEPSLF, you should receive a response about your eligibility for TEPSLF by Oct. 31, 2018.
  • If FedLoan Servicing informs you on or after Aug. 28 that you’re being considered for TEPSLF, you should receive a response about your eligibility 60–120 days after the date you requested TEPSLF consideration.

Note: These estimated response time frames may vary if FedLoan Servicing asks you to provide additional information and you delay in responding to that request.

ED and FedLoan Servicing will evaluate if

  • you had at least 10 years of full-time employment certified by a qualifying employer and approved by FedLoan Servicing;
  • you made 120 qualifying payments under the new requirements for TEPSLF while working full-time for your qualifying employer or employers; and
  • the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF are at least as much as you would have paid under an income-driven repayment plan.

FedLoan Servicing will contact you once the review is complete or if they need additional information.

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How will I receive the results of my TEPSLF eligibility review?

After ED and FedLoan Servicing complete your TEPSLF eligibility review, you’ll receive an email from TEPSLF@myfedloan.org. This notice will inform you of the results: loan forgiveness approval, loan forgiveness denial, or the need for you to submit additional information.

The communication you receive from FedLoan Servicing notifying you of the review results will explain your status, provide you with information about next steps, and let you know how to contact FedLoan Servicing if you have questions.

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What additional information may be needed from me?

If you haven’t been on an income-driven repayment plan for the 12 months prior to requesting TEPSLF, you’ll need to submit income and family size information to be considered for the TEPSLF opportunity. ED and FedLoan Servicing need this information to determine what your monthly payment amount would be under an income-driven repayment plan.

Once ED and FedLoan Servicing determine that monthly income-driven payment amount, your most recent payment made and the payment made 12 months prior to requesting TEPSLF will be reviewed. To qualify for TEPSLF, each of those amounts must be at least as much as the monthly income-driven repayment amount we calculate for you, among other requirements.

Submission Process
In the notice you receive from FedLoan Servicing requesting information, you’ll be instructed to go to myfedloan.org/TEPSLF, sign in, and use the File Upload tool to provide your family size and submit your income documentation. This notice will provide instructions for preparing to use the online tool.

If you’re unable to submit the information online, you may contact FedLoan Servicing for assistance.

Submission Deadline
You’ll need to submit the requested information within 21 days of the date of the notice to avoid having your TEPSLF request canceled.

If ED cancels your TEPSLF request, you will lose your established place in line for TEPSLF consideration. If that happens, the only way you could be considered for loan forgiveness under the TEPSLF opportunity would be to submit a new TEPSLF request and all of the required information.

Note: If you receive the information request notice, it’s critical to act immediately! The TEPSLF opportunity is temporary, has limited funding, and must be provided on a first come, first served basis. Once all of the funds are used, the TEPSLF opportunity will end.

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If I’m eligible for TEPSLF, how will I be informed and what will happen next?

ED and FedLoan Servicing will send you an email from TEPSLF@myfedloan.org after your eligible loans have been forgiven under the TEPSLF opportunity. This notice will list the specific loans that have been forgiven. The amount forgiven will include all outstanding principal and interest.

  • If you made payments after the 120th qualifying payment on your federal student loans that have been forgiven under the TEPSLF opportunity, those payments will be considered overpayments and refunded to you.
  • If all of your federal student loans serviced by FedLoan Servicing have been forgiven under the TEPSLF opportunity, you will no longer have a remaining balance with FedLoan Servicing.
  • If some of your federal student loans serviced by FedLoan Servicing have been forgiven under the TEPSLF opportunity, you’ll receive a separate notification of your remaining outstanding loan balance and your new payment amount.

You may have other federal student loans with another servicer that do not qualify for TEPSLF and that you must repay. Just those loans listed in the notice will have been forgiven under the TEPSLF opportunity. You’ll need to log in and check your account to determine if you have other loans you must continue to repay.

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If my eligible Direct Loans are forgiven under TEPSLF, will I need to pay income tax on the forgiveness amount?

No. According to the Internal Revenue Service (IRS), student loan amounts forgiven under the PSLF Program and the TEPSLF opportunity are not considered income for federal tax purposes. Please contact the IRS or a tax advisor for more information.

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If I’m not eligible for TEPSLF, how will I be informed and what should I do next?

ED and FedLoan Servicing will send you an email from TEPSLF@myfedloan.org informing you that you are not eligible for the TEPSLF opportunity. This notice will explain why you are not eligible and suggest what you should do next.

Here are the TEPSLF denial reasons and what you should do next:

  • You have not submitted a PSLF application to date and will not be evaluated for TEPSLF at this time.

    Here’s what you should do next:
    If you believe you meet the TEPSLF eligibility conditions and want to be considered for the TEPSLF opportunity, submit the PSLF application even if the application outlines additional conditions that you don’t think you meet. The TEPSLF opportunity allows for expanded eligibility options, but we need the information on the PSLF application to start the evaluation process.

  • You don’t have any federal student loans. Only Direct Loans—one type of federal student loan—are eligible for the TEPSLF opportunity. If you have nonfederal or private loans, they are not eligible.

    Here’s what you should do next:
    You should contact your lender to get more information about your nonfederal or private loans.

  • You do not have any Direct Loans. Only Direct Loans are eligible for loan forgiveness under the TEPSLF opportunity.

    You have loans under other federal student loan programs, such as the FFEL Program or the Perkins Loan Program. Loans from these programs do not qualify for PSLF.

    Here’s what you should do next:
    You can consider consolidating your FFEL Program loans and/or your Perkins Loans into the Direct Loan Program to become eligible for PSLF, but only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for loan forgiveness under PSLF. Any payments you made on the FFEL Program loans or Perkins Loans before you consolidated them won’t count as qualifying payments for PSLF or TEPSLF.

    If you consolidate, you’ll need to make 120 qualifying payments (typically 10 years) and then apply for forgiveness.

  • You have only Direct Loans and they are in default. Defaulted loans are not eligible for loan forgiveness under the TEPSLF opportunity.

    Here’s what you should do next:
    You should get out of default if you can, but any payments that you make while you are in default cannot count as qualifying payments for PSLF or TEPSLF. In addition, if you consolidate your loans to get out of default, only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for loan forgiveness under PSLF. Any payments you made on your loans before you consolidated them won’t count as qualifying payments for PSLF or TEPSLF.

    If you consolidate, you’ll need to make 120 qualifying payments (typically 10 years) and then apply for forgiveness.

  • You have only Direct PLUS Loans made to you as a parent borrower. Those loans cannot be repaid under income-driven repayment plans and, therefore, are not eligible for loan forgiveness under the TEPSLF opportunity.

    Here’s what you should do next:
    You can consider consolidating your Direct PLUS Loans into a Direct Consolidation Loan to become eligible for PSLF and then repay your loan under the Income-Contingent Repayment Plan, but only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for loan forgiveness under PSLF. Any payments you made on the Direct PLUS Loans before you consolidated them won’t count as qualifying payments for PSLF or TEPSLF.

    If you consolidate, you’ll need to make 120 qualifying payments (typically 10 years) and then apply for forgiveness.

  • You have not submitted evidence of at least 10 years of full-time employment certified by a qualifying employer.

    Here’s what you should do next:
    Review the definition of qualifying employer. Determine if you have other qualifying employment. If you do, go to myfedloan.org/PSLFECF, sign in, and use the Employment Certification Form Wizard to submit the required certifications for employment.

    After you submit your certifications for employment, if you meet all of the other TEPSLF eligibility conditions, you can again request to be considered for the TEPSLF opportunity by emailing your name and date of birth to TEPSLF@myfedloan.org. In your email, also tell us how you submitted your employment certification forms (online, mail, or fax).

    Note: The TEPSLF opportunity is temporary, has limited funding, and must be provided on a first come, first served basis. Once all of the funds are used, the TEPSLF opportunity will end. You have lost your established place in line for TEPSLF consideration. If you believe you have other qualifying employment, it’s critical to act now!

  • You have not been in repayment for at least 10 years on your Direct Loans. As a reminder, the time your loans were in an in-school status, the grace period, a deferment, or a forbearance do not count toward the 10 years.

    Here’s what you should do next:
    Visit StudentAid.gov/publicservice to learn about how to qualify for PSLF. If you meet the eligibility requirements, you can reapply for PSLF or TEPSLF after you’ve been in repayment for at least 10 years (not counting the periods identified above).

  • To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an income-driven repayment plan.

    We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF.

    A review of your payment history determined that your most recent payment made and/or the payment made 12 months prior were less than the monthly income-driven payment amount.

    Here’s what you should do next:
    You need to continue making payments on your federal student loans. Even though you don’t qualify for the TEPSLF opportunity at this time, you may qualify for PSLF in the future. Visit StudentAid.gov/publicservice for PSLF eligibility information.

  • To be eligible for the TEPSLF opportunity, you must have made 120 qualifying payments under the new requirements for TEPSLF while working full-time for your qualifying employer or employers.

    Your eligibility for PSLF has been reconsidered using an expanded list of qualifying repayment plans. A review of your payment history determined that even with the expanded list of eligible repayment plans, you have not made 120 qualifying payments on your Direct Loan Program loans. This makes you ineligible for the TEPSLF opportunity.

    Here’s what you should do next:
    You need to continue making payments on your federal student loans. Even though you don’t qualify for the TEPSLF opportunity at this time, you may qualify for PSLF or TEPSLF in the future. Visit StudentAid.gov/publicservice for PSLF eligibility information.

    Note: The TEPSLF opportunity is temporary, has limited funding, and must be provided on a first come, first served basis. Once all of the funds are used, the TEPSLF opportunity will end.

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Whom do I contact with questions about TEPSLF?

If you have questions or cannot email FedLoan Servicing, contact FedLoan Servicing at 1-855-265-4038 from 8 a.m.–9 p.m. Eastern time, Monday through Friday.

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