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?
Whom do I contact with questions about 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; and
- made 120 qualifying payments under the new requirements for TEPSLF while working full-time for your qualifying employer or employers.
TEPSLF is available only to Direct Loan borrowers. Borrowers with loans made under the Federal Family Education Loan (FFEL) Program are not eligible for the 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.
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.
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.
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:
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]
FedLoan Servicing will confirm that you previously submitted the PSLF application. 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 the results of the application check and what will happen next.
You’ll receive one of the following messages in that response:
- You are being considered for TEPSLF because you applied for PSLF and had your application denied. FedLoan Servicing will contact you again once the review is complete or if they need additional information.
- You have a PSLF application under review and 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 will not be evaluated for TEPSLF at this time because you have not submitted a PSLF application to date.
If you believe you meet the conditions listed 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.
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.