Special Programs

Based on your current situation, there may be special programs available to help you repay your loans, or even have them eliminated. Review the programs below to see if you may qualify.

Are you a Financial Aid Officer?

We offer PSLF training and resources that can help. Learn More

Public Service Loan Forgiveness Icon

Public Service Loan Forgiveness

PSLF Overview

The Public Service Loan Forgiveness (PSLF) Program was established to encourage individuals to enter and continue in full-time public service employment. The program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made 120 qualifying monthly payments while working full time for a qualifying employer. To receive forgiveness, you must remain employed with a qualifying employer at the time you apply for and receive forgiveness for your loans.

Qualifying Employers

The following four categories of organizations are considered qualifying employers for the purpose of PSLF:

A government organization

Includes Federal, State, local or Tribal government entities; public child or family service agencies; or Tribal colleges or universities

NOTE: Service as an elected member of the United States Congress (a U.S. Senator or Representative) does not qualify. Congressional staff members and state legislators (and their staff) may qualify, except for any period of time that they are employed by a political campaign.

Peace Corps or AmeriCorps

You may be eligible if you are a full-time Peace Corps or AmeriCorps volunteer. Volunteer work for any other organization does not count toward qualifying employment for the purposes of PSLF.

A not-for-profit, tax exempt organization (Under section 501(c)(3) of the Internal Revenue Code)

All organizations that are tax-exempt under section 501(c)(3) of the Internal Revenue Code qualify, regardless of the services that they provide. This category includes most not-for-profit private schools, colleges, and universities.

A private, not-for-profit organization

If your organization is tax-exempt, but is not a 501(c)(3) organization, it could qualify under this category if it provides a qualifying public service. To learn more about the services that qualify, visit our PSLF FAQ.

Qualifying Employment Status

Working Full Time

To qualify for PSLF, you must work full time for a qualifying employer. Generally, you must work the number of hours per week that your employer considers to be full time. However, if your employer's definition of full time employment is less than 30 hours per week, you must work at least 30 hours per week to be considered full time.

Working for More Than One Employer

If you work part-time for more than one qualifying employer at the same time, you will be considered full-time for PSLF purposes as long as your combined hours worked equal at least 30 hours per week.

Teaching

If you are a teacher who does not teach during the summer months, otherwise qualifying PSLF payments you make during the summer will count if:

  • You have a contract for an employment period of at least 8 months and you work an average of 30 hours per week during that period, and
  • Your employer still considers you to be employed full-time during the summer break.

NOTE: In this circumstance, your employer should include the dates of the summer break when reporting your dates of employment on the PSLF Employment Certification Form (ECF), even though you are not actually teaching during that period.

Non-Qualifying Activities

If you are employed by a not-for-profit organization, any time you spend on religious instruction, worship services, or any form of proselytizing may not be counted toward meeting the full-time employment requirement.

Other Eligibility Requirements for PSLF

To be eligible, you must work full-time for a qualifying employer and…

Have Eligible Loan Types
  • Direct Subsidized Loans
  • Direct Unsubsidized Loans (including TEACH Grants that were converted to Direct Unsubsidized Loans)
  • Direct PLUS Loans for graduate or professional students
  • Direct Consolidation Loans (including Special Direct Consolidation Loans)

If your loan type isn't listed above…

You can consolidate your non-eligible federal student loans into a Direct Consolidation Loan to make them eligible for PSLF.

Make 120 Qualifying Payments

Must have been made:

  • After October 1, 2007
  • While employed full-time at a qualifying employer
  • Under a qualifying repayment plan
  • On-time (no later than 15 days after the scheduled due date)
  • Each month, satisfying the installment amount due for that month in full
  • When the loan is being actively billed, and is not in a default status

Track your qualifying payment count:

If you previously submitted an ECF confirming you worked for a qualifying employer for purposes of PSLF, the number of qualifying payments you made during the employment period certified by your employer can be viewed within .

If you made your 120 qualifying payments:

You must submit the PSLF Application for Forgiveness (PDF) to receive loan forgiveness. Please note you must be working for a qualifying employer at the time you submit the PSLF Application for Forgiveness and at the time the remaining balance on your loan is forgiven.

Make Payments Under an Eligible Repayment Plan

Qualifying repayment plans include:

  • Pay As You Earn (PAYE) Plan
  • Revised Pay As You Earn (REPAYE) Plan
  • Income-Based Repayment (IBR) Plan
  • Income-Contingent Repayment (ICR) Plan
  • 10-year Standard Repayment Plan

NOTE: Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. However, you must switch to an Income-Driven Repayment (IDR) plan, such as PAYE, REPAYE, IBR, or ICR, to benefit from PSLF. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments.

Consolidation Could Make Your Loans PSLF Eligible

Only Direct Loans are eligible for PSLF. Consolidating your ineligible federal student loans into a Direct Consolidation Loan can make your loans eligible as long as you meet all other program requirements. Be sure to choose an Income-Driven Repayment plan when you apply for a Direct Consolidation Loan.

View the federal student loan types that are ineligible for PSLF unless they are consolidated.

Direct PLUS Loans for Parents

Although made under the Direct Loan Program, Direct PLUS Loans for parents must be consolidated into a Direct Consolidation Loan in order to benefit from PSLF. Direct PLUS Loans for parents are not eligible for the IDR plans that allow borrowers to benefit from the PSLF program. However, if a Direct PLUS Loan made to a parent borrower is consolidated into a Direct Consolidation Loan, the new Direct Consolidation Loan can then be repaid under the ICR plan, which is a qualifying repayment plan for PSLF. The ICR plan is the only available IDR plan for a Direct Consolidation Loan that includes a PLUS Loan made to a parent borrower.

NOTE: Direct PLUS Consolidation Loans, which include PLUS Loans made to parent borrowers before July 1, 2006 must be re-consolidated into a Direct Consolidation Loan to qualify for repayment under the ICR plan. However, this loan type may only be re-consolidated if combined with another loan.

If you do not know what type of federal loans you have, visit StudentAid.gov/login and find out.

Learn more about consolidation!

Consolidation and Qualifying Payments

If you've already made qualifying payments on your Direct Loans, but also have federal student loans that are not eligible for PSLF, a good option may be to consolidate your other federal loans without including your Direct Loans. You can then begin making qualifying PSLF payments on your new Direct Consolidation Loan and continue making qualifying payments on your existing Direct Loans. If you include your Direct Loans in the consolidation, you will lose credit for any of the required 120 qualifying PSLF payments you made before the loans were consolidated.

PSLF Forms

Submit an Employment Certification Form (ECF) Annually

We recommend that you submit your first ECF after you are confident that you have qualifying loans and have made some qualifying payments. If you do so, you get early confirmation that you are on the right track. Once your first ECF is approved, we recommend that you submit a new ECF annually. This will help you track your progress in the PSLF Program. Each time we approve an ECF, we will update the count of qualifying payments that you have made to include payments made during the updated period of employment that has been certified.

Complete Your ECF

Currently Have Loans Serviced By FedLoan Servicing?

Get help preparing your ECF in your online account through Account Access with Forms Assistance. Forms Assistance can prepopulate most of the ECF, making it easier and more convenient to complete the form.

Easily prepare your ECF with Forms Assistance!

Don't Have an Account?

Create One Today

Don't Have Loans Serviced By Us?

To complete the ECF:

  1. Print the following documents:
  2. Mail or fax the completed and signed ECF.

    FedLoan Servicing
    Attn: Loan Forgiveness
    P.O. Box 69184
    Harrisburg, PA 17106-9184
    Fax: (717) 720-1628

NOTE: If your ECF is approved, your federal student loans will be transferred to us. We will continue to service your loans as you work toward loan forgiveness.

NOTE: If you have made your 120 qualifying payments, and are ready to APPLY for forgiveness, you need to fill out the PSLF Application for Forgiveness (PDF) not the ECF.

Submit the Application for Forgiveness

Once you've made your final payment toward the 120 qualifying payments required for PSLF, you must fill out the PSLF Application for Forgiveness to receive loan forgiveness. Additionally, you must be working full-time for a qualifying employer at the time you submit the PSLF Application for Forgiveness and at the time the remaining balance on your loan is forgiven.

NOTE: Loans forgiven under PSLF are not considered income by the Internal Revenue Service. As a result, you WILL NOT have to pay federal income tax on the amount of your loans that were forgiven.

Still Have Questions?

Additional Resources

View additional details of the PSLF Program at the Federal Student Aid Website.

Fact Sheet (PDF)
Additional Q&A (PDF)

Contact a PSLF Specialist

We are here to help you with every step of the process. Contact one of our Public Service Loan Forgiveness specialists at 855-265-4038 for more information.

Learn More About PSLF

Find the answers you're looking for in our FAQs.

Get Started

Learn More about the Qualifications

If you get a job at a government or eligible not-for-profit organization and repay your loans based on your income, you may qualify for forgiveness of your Direct Loans after 120 qualifying payments and employment. See StudentAid.gov/publicservice for more information and for a form you can fill out when you start working to receive confirmation that your employment qualifies for the program.

Employer Resource Center

An Employer's Role in the Application Process

We will only determine whether an employer qualifies for PSLF based on the submission of the ECF or the PSLF Application for Forgiveness. These forms require you, the employer, to certify:

  • That you are a qualifying employer
  • The time frame the employee worked for your organization
  • Whether the employee was employed full time or part time

Your current or former employee may ask for your assistance defining your organization type in Section 3 of the ECF or the PSLF Application for Forgiveness. Additionally, your current or former employee will ask you to complete and sign Section 4 of the ECF or the PSLF Application for Forgiveness, which acts as a certification of accuracy for the completed document. Review the Employment Certification Documents section for an example of the ECF, PSLF Application of Forgiveness, and completion instructions.

Employment Certification Documents

Employer Eligibility in Completing the ECF or Application

Section 3 of the ECF or the PSLF Application for Forgiveness can be completed by the borrower or an authorized official at the borrower's employer (see who is considered an authorized offical in the following section). A borrower may need assistance retrieving all necessary information for Section 3, or may have an authorized official from his or her place of employment fill out this section. Section 4 of the ECF or the PSLF Application for Forgiveness must be completed by an authorized official, and cannot be filled out by the borrower.

Authorized Officials

Section 4 of the ECF or the PSLF Application for Forgiveness must be filled out by an authorized official. This official may include a party authorized by the borrower's employer to certify the employment status of a current or former employee or service member. This party should have access to the borrower's employment or service records, and is also authorized to assist in the borrower's completion of Section 3. Many employers designate the human resources or personnel office staff as authorized officials.

Recommended Frequency for Sending the ECF

We recommend that employees submit an ECF once per year. Even though you and your employee already know whether the employment for your organization qualifies, an updated ECF is the only way for an employee to be sure that all of the payments made over the course of the last year of employment count toward PSLF.

Employer Best Practices

  • After you know that your organization qualifies for PSLF, use it as a recruiting opportunity!
  • Talk about PSLF with new hires.
  • Keep copies of ECFs and the PSLF Application for Forgiveness on hand that are pre-populated with information about your organization.
  • Remind your employees who previously submitted an ECF to submit a new ECF each year!

TEACH Grants

We are honored the U.S. Department of Education chose FedLoan Servicing to monitor and track each TEACH Grant recipient's progress toward fulfilling their service obligation.

Thank you for your commitment to teaching!

For more details about your TEACH Grants and the terms of your service obligation…

Review your Agreement to Serve (ATS) at FSA

TEACH Overview

Review the general TEACH Grant information below that best describes your current situation.

In School

In School

Enrolled in a TEACH Grant Eligible Program of Study

As the servicer of your grants, we will keep track of the potential interest that you'll have to repay if your grants are ever converted to loans. We will send you quarterly emails and an annual summary of this interest.

Don't worry! No payment is due and you may never have to repay this interest. As long as you perform qualifying teaching service and meet all other requirements of your service obligation as explained in your Agreement to Serve (ATS), you will not have to repay your grant or the accrued interest.

After School

After School

Graduated From a TEACH Grant Eligible Program of Study

When you graduate from a TEACH Grant eligible program of study, you need to:

  • Teach full-time as a highly-qualified teacher in a high-need field at an eligible low-income elementary school, secondary school, or educational service agency for at least 4 academic years.
  • Complete the required 4 years of teaching within 8 years of completing or otherwise leaving your TEACH Grant eligible program of study.
  • Meet all requirements for certifying that you are teaching or that you intend to satisfy your service obligation, as described in your Agreement to Serve (ATS).
Didn't Complete a TEACH Grant Eligible Program of Study

When you do not graduate from, but otherwise leave your TEACH Grant eligible program of study, you need to meet one of the following requirements within 120 days of leaving school:

  • Certify that you are meeting (or intend to meet) the requirements of your service obligation; or
  • Qualify and get approved for a temporary suspension of the period for completing your service obligation.

Remember—In order to maintain your grant status you must:

  • Teach full-time as a highly-qualified teacher in a high-need field at an eligible low-income elementary school, secondary school, or educational service agency for at least 4 academic years.
  • Complete the required 4 years of teaching within 8 years of completing or otherwise leaving your TEACH Grant eligible program of study.
  • Meet all requirements for further certifying that you are teaching or that you intend to satisfy your service obligation, as described in your Agreement to Serve (ATS).

Important to Know—If you don't meet these requirements, your TEACH Grants may be converted to Direct Unsubsidized Loans that you'll have to repay in full, with interest charged from the date of each TEACH Grant disbursement. For more information about your teaching obligation, review your ATS.

You need to certify that you are currently performing teaching service that meets the requirements of your service obligation, as explained in your ATS.

Do you believe you qualify for a temporary suspension as explained in your ATS?

Complete the TEACH Grant Certification Form Online

Completing the TEACH Grant Certification Form

Get help preparing your TEACH Grant Certification Form in your online account through Account Access with Forms Assistance. Forms Assistance can prepopulate the form making it easier and more convenient to submit your request.

Easily prepare your TEACH Grant Certification Form with Forms Assistance!

Don't Have an Account?

Create one today!

NOTE: You must also have your or complete Section 3.

Qualifying for a Temporary Suspension

If you intend to teach but are currently unable to, you may qualify for a temporary suspension of the time you need to complete your service obligation, as explained in your Agreement to Serve.

Circumstances or conditions that qualify you for a temporary suspension of the 8-year period for completing your service obligation are:

Active Military Service

Active Military Service

You can request a suspension of your service obligation for 12 months at a time (up to 3 years maximum) if you are:

  • Called or ordered to active duty status for more than 30 days as a member of a reserve component of the Armed Forces named in 10 U.S.C. 10101, or
  • Called or ordered to active duty service as a member of the National Guard on full-time National Guard duty, as defined in 10 U.S.C. 101(d)(5), under a call to active service in connection with a war, military operation, or a national emergency.

If you are subject to an extended call or order to active duty and you've already used the 3 years allotted to suspend your service obligation due to your time spent on active duty, you may qualify for a discharge of some or all of your service obligation. To learn more or to request a discharge, follow the instructions provided through Account Access or on the TEACH Grant Suspension/Military Discharge Request Form (PDF). You will receive the following of your four-year service obligation if the call or order to active duty status is for more than three years:

  • A discharge of 1 year of your 4-year service obligation if the call or order to active duty status is for more than 3 years;
  • A discharge of 2 years of your 4-year service obligation if the call or order to active duty status is for more than 4 years;
  • A discharge of 3 years of your 4-year service obligation if the call or order to active duty status is for more than 5 years;
  • A total discharge of your 4-year service obligation if the call or order to active duty status is for more than 6 years.

Request a temporary military suspension

To request a temporary suspension of your service obligation based on your active duty status:

1. Access and complete the form.

2A. Submit both a copy of your military orders and your military identification with your completed Suspension/Discharge Form;

NOTE: Please make sure that any orders you submit include the dates of your active duty status.

OR

2B. Have a Commanding or Personnel Officer complete Section 4 of the Suspension/Discharge Form, indicating the dates of your service.

NOTE: As an alternative to filling out Section 4, your Commanding or Personal Officer may forward separate documentation that includes all of the information requested on the form.

Power of Attorney or Representative

If you have been granted a Power of Attorney (POA) for or are representing a service member and you need to request a temporary suspension of the service member's service obligation period, download, complete, and return the TEACH Grant Suspension/Military Discharge Request Form (PDF). Don't forget to include the service member's name and account number (if you have it). You will need to submit a copy of both the service member's military orders and military identification with the Suspension/Discharge Form, or have the service member's Commanding or Personnel Officer complete Section 4 of the form. Please make sure that any orders you submit include the dates the service member is in an active duty status. Keep in mind that if we don't already have record of your POA status, we will also need a copy of the service member's POA document.

Qualifying Enrollment

Qualifying Enrollment

You can request a suspension of the period for completing your service obligation for 12 months at a time (up to a maximum of 3 years) when you are enrolled in an eligible program of study that temporarily prevents you from teaching to satisfy your service obligation. An eligible program is one that is eligible for the TEACH Grant or a program of study that has been determined by a state to satisfy the requirements for certification or licensure to teach in the state's elementary or secondary schools. The maximum 3-year period is a combined limit for suspensions based on qualifying enrollment and suspensions based on a qualifying reason for leave under the Family and Medical Leave Act (FMLA).

Request a temporary qualifying enrollment suspension

1. and take the TEACH Grant Certification Quiz to complete a TEACH Grant Suspension/Military Discharge Request Form with your answers, or download a blank form (PDF).

2. Have an authorized official complete Section 4 of the form, confirming that you are enrolled in an eligible program of study at your institution, and indicate the dates of enrollment.

Family & Medical Leave Act (FMLA)

Family & Medical Leave Act (FMLA)

You can request a suspension of the period for completing your service obligation for 12 months at a time (up to a maximum of 3 years) when one of the following conditions prevents you from teaching to satisfy your service obligation. The maximum 3-year period is a combined limit for suspensions based on qualifying enrollment and suspensions based on a qualifying reason for leave under the Family and Medical Leave Act (FMLA).

Birth of a child and caring for the newborn

You need to provide:

  • The academic year for which you need to suspend your service obligation
  • The child's birth date
Placement of a newly adopted child or foster child in your home

You need to provide:

  • The academic year for which you need to suspend your service obligation
  • The child's date of placement
Caring for your spouse, child, or parent with a serious health condition

You need to provide:

  • The academic year for which you need to suspend your service obligation
  • The date you began caring for the individual
  • Your relationship to the individual
A serious health condition that makes you unable to work

You need to provide:

  • The academic year for which you need to suspend your service obligation
  • The date the health condition affected your ability to work
Caring for a covered service member with a serious injury or illness

You may qualify if you are caring for a covered service member and you are the spouse, child, parent, or next of kin to that service member. The service member must be a current member of the military who has a serious injury or illness incurred in the line of duty on active duty and is undergoing medical treatment, recuperation, or therapy; or is otherwise on the temporary disability retired list. You need to provide the following:

  • The academic year for which you need to suspend your service obligation
  • The date you began caring for the service member
  • Your relationship to the service member
Qualifying exigency for a covered military member

If you have an exigency arising out of the fact that your spouse, child, or parent is a covered military member on active duty (or has been notified of an impending call or order to active duty) in support of a contingency operation, you may qualify to suspend your service obligation. If you believe you are eligible for a suspension based on this qualifying reason for leave under the FMLA, contact us!

Request a temporary FMLA suspension

To request suspension, and take the TEACH Grant Certification Quiz to complete a TEACH Grant Suspension/Military Discharge Request Form with your answers, or download a blank form (PDF).

Converting to a Loan

As explained in your Agreement to Serve, your TEACH Grants will be converted to Direct Unsubsidized Loans that you must repay in full, with interest charged from the date of disbursement, if one or more of the following occurs:

  • You request that we convert the TEACH Grants you received to Direct Unsubsidized Loans because you have decided not to teach or have decided not to teach in a qualified school or field, or for any other reason. and make your request.
    • If you do not intend to fulfill your teaching obligation and you do not plan to enter into active duty military service (which may lead to discharge of your teaching obligation), please notify us as soon as possible. Delaying the conversion of your grant into a loan may lead to unnecessary interest accrual and capitalization (the addition of interest to your loan balance).
  • You cease enrollment in your TEACH Grant eligible program of study before completing the program and (unless you qualify for a suspension or discharge of the period for completing your service obligation) you do not notify us within 120 days of ceasing enrollment that:
    • You are employed as a full-time teacher in accordance with the terms and conditions of your Agreement to Serve; or
    • You are not yet employed as a full-time teacher as described in your Agreement to Serve, but you intend to meet the terms and conditions of your service obligation.
  • You do not complete your TEACH Grant eligible program of study, and within 1 year after you cease enrollment at your school:
    • You have not applied for and been determined eligible for a suspension of the 8-year period for completing your service obligation under one of the conditions described in your Agreement to Serve;
    • You have not reenrolled in a program for which you would be eligible to receive TEACH Grants; or
    • You have not begun qualifying teaching service as described in your Agreement to Serve.
  • You complete your TEACH Grant eligible program of study, but you do not confirm to us at least once each year that you intend to satisfy or are satisfying your service obligation.
  • You complete your TEACH Grant eligible program of study, but you do not begin or do not maintain qualifying employment within a timeframe that would allow you to complete your required 4 years of teaching within the 8-year period described in your Agreement to Serve.

Service Members

We understand and appreciate the sacrifices that you make for our country. That is why we want to make you aware of options that may be available to you.

Servicemembers Civil Relief Act (SCRA)

Service members eligible for this benefit can have their interest, costs, and fees capped at 6% during their service.

Eligibility Requirements

  • Must be an active duty member, or a member absent due to sickness, wounds, leave, or other lawful cause, of the uniformed services OR a U.S. citizen serving with a U.S. ally force in prosecution of war or military action, if such service is similar to "military service" as defined under the SCRA. Examples of uniformed services include:
    • Army
    • Navy
    • Air Force
    • Marines
    • Coast Guard
    • National Guard (must be called to active duty for more than 30 consecutive days for purposes of responding to a national emergency declared by the President and supported by Federal funds.)
    • Commissioned Officer of the Public Health Service or National Oceanic and Atmospheric Administration
  • Loans must have been disbursed prior to the date that you began serving active duty

NOTE: If you consolidate your loans, you may be at risk for not being eligible for the SCRA benefit. Your loans will have a new disbursement date that may be after you began serving active duty.

How to Apply

Complete the SCRA form (PDF).

Note: You either need an authorized official to certify your form and complete section 4 or send a copy of your military orders with your completed form.

  1. Mail or your completed application and required documents to:

    FedLoan Servicing
    P.O. Box 69184
    Harrisburg, PA 17106-9184

    Fax: (717) 720-1628

  2. If you have student loans serviced by multiple servicers, you must submit a separate request to each servicer to apply for SCRA benefits.

No Accrual of Interest Benefit (Service in Areas of Hostilities)

You may be eligible to have the interest rate on your loans reduced to 0% for up to 60 months. If you currently meet the eligibility requirements or you previously served in an area that qualified for special pay as outlined below, this interest rate benefit can be applied for your time of service.

Eligibility Requirements

  • Direct Loans first disbursed on or after October 1, 2008 are eligible.
  • Direct Consolidation Loans first disbursed on or after October 1, 2008 that repay loans also first disbursed on or after October 1, 2008 are eligible. The entire Direct Consolidation Loan may be eligible or a portion, based on disbursement dates. This includes FFEL Program Loans that were repaid through a Direct Consolidation Loan, if they meet these criteria.
  • You must serve or have served in an area of hostilities and you must qualify for or have received special pay under Section 310 of Title 37 (PDF) of the United States Code.

Have questions about your eligibility?

Contact Us

How to Apply

You don't have to make a formal request to get this benefit, but we need enough detail from you to determine that you're eligible. To have us review your eligibility and apply the benefit, send us your request and one of the following documents:

  1. A copy of your military orders
  2. A statement, such as your leave and earnings statement, detailing your receipt of hostile fire or imminent danger pay
  3. A signed letter from a certifying official

Or, if you want to postpone your payments while you are on active duty, complete the Military Deferment form (PDF) (also known as Military Service and Post-Active Duty Student Deferment form) and have your commanding or personnel officer complete section four of the form and check the box next to item 3.

If you have any questions about your eligibility, contact us.

Other Options for Service Members

There are options available to lower your monthly payment amount (as low as $0 per month)! You may even be eligible for partial or total loan forgiveness depending on your circumstances.

Repayment Options

As a service member, there are specific deferments and forbearances that you may qualify for based on your circumstances. Before you consider postponing your payments, we recommend that you explore your repayment plan options. For example, Income-Driven Repayment plans are available that may offer:

  • Payment amounts based on your income and family size
  • Monthly payments as low as $0 per month
  • Opportunities for loan forgiveness
  • And more!

NOTE: These repayment plans require annual recertification of your income, which we know can be difficult during periods of deployment. If you designate someone as a Power of Attorney while you are away, they are able to recertify your income on your behalf.

If you want to get an idea of what your payment amount may be on any of the available plans, you can utilize the .

Public Service
Public Service Loan Forgiveness (PSLF) Program
The PSLF Program was established to reward you for your work in the public sector. In this program, your outstanding loan balance can be forgiven after you make 120 qualifying payments. The PSLF Program requires some long-term planning.

Options for Postponing Payments

If repaying your loans right now isn't going to work for you, you may qualify to postpone your payments during a period of active duty service if you are:

  • Serving on qualifying National Guard duty,
  • Serving as a reservist or retired member of the Armed Forces,
  • Serving as any other member of the Armed Forces who has been assigned to a duty station at a location other than the location where you are normally assigned, or
  • Serving as a member of the National Oceanic and Atmospheric Administration (NOAA) or officer of the Commissioned Corps of the Public Health Service, depending on the dates your loans were disbursed.

Our interactive Eligibility Quiz helps you determine if your federal student loans are eligible for a deferment or forbearance and provides the best options for postponing your payments.

General Tips

  • Set up an online account to make managing your loans easier while away.
  • Apply for Direct Debit so you can establish automatic monthly payments.
  • Send us and your other student loan lenders/servicers a letter and a copy of your orders requesting the SCRA interest rate benefit.
  • Elect a POA or provide authorization to a third party.
  • Request the repayment plan that best meets your needs, and consider whether you may benefit from Public Service Loan Forgiveness.
  • If you wish to email us with specific questions about Military options email us at servicemembers@MyFedLoan.org.
  • For more Military information visit the Department of Defense site at MilitaryOneSource.mil.
  • Employer support services are available to members of the Guard and Reserve through the Employer Support of the Guard and Reserve (ESGR) website: esgr.mil or by calling 1-800-336-4590.