Public Service Loan Forgiveness
Public Service Loan Forgiveness (PSLF)
If you work for a government or nonprofit employer, PSLF can forgive your remaining federal balance tax-free after 120 qualifying payments. The rules are strict and easy to get wrong. We help you make sure every month actually counts.
PSLF is one of the most valuable programs in federal student loans, and one of the easiest to lose credit on. Being on the wrong repayment plan, having the wrong loan type, or missing employment certification can mean years of payments that do not count. In 2026 there are added wrinkles: the new default repayment plan for many borrowers does not qualify for PSLF, and a new employer-eligibility rule is in effect and currently being challenged in court.
This may be a fit if…
- You work for a government agency, public school, or 501(c)(3) nonprofit
- You are unsure whether your past payments have been counted correctly
- You are on a plan that does not qualify for PSLF and did not realize it
- You want a clear, tracked path to the 120-payment finish line
How we help
- 1Confirm your employer and repayment plan qualify for PSLF
- 2Help you certify qualifying employment and prepare PSLF forms
- 3Review your qualifying payment count for errors
- 4Track your progress and flag milestones and recertification dates
Our honest take
We cannot guarantee forgiveness, and no honest company can. The Department of Education and your servicer make the final decision. What we can do is make sure your plan, loan types, employment certification, and payment count are all lined up so the months you work actually move you toward the finish line.
Common questions
See what you actually qualify for.
A free, honest evaluation with a real advisor. No pressure, no obligation, and no cost.