JB Pritzker, Governor, State of Illinois

Federal Student Loan Forgiveness

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Public Service Loan Forgiveness (PSLF)

For questions on the PSLF program or the IDR Account adjustment, borrowers can contact [email protected].

* PLEASE NOTE: Do not send your PSLF application to this e-mail address, given the sensitive nature of the information on the application. Please note this e-mail address is only to help answer questions about the PSLF program and the process of applying. We are not designated to receive, certify, or process PSLF applications.

Public Service Loan Forgiveness (PSLF)

The PSLF program forgives the remaining balance of a federal loan borrower's Direct Loans after they have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Eligibility

To be eligible for PSLF, borrowers must meet the following criteria:

  1. Be employed full-time by a qualifying employer
  2. Have Direct Loans or Direct Consolidated Loans
  3. Make 120 qualifying monthly payments while working for a qualifying employer
  4. Be on an Income-Driven Repayment (IDR) plan

How to Apply

Borrowers can use the PSLF Help Tool to complete the PSLF application. The PSLF application consists of several pages, which include information about a borrower's loans, their demographic information, employment certification forms, and terminology for PSLF.

The PSLF Help Tool helps borrowers with:

  • understanding more about PSLF and Temporary Expanded PSLF (TEPSLF);
  • assessing whether they work for a qualifying employer; and
  • navigating the steps needed to receive loan forgiveness under PSLF or TEPSLF.

Upon completion of the application, borrowers must submit the application in one of four way ways:

  1. Digitally submit the form via the PSLF Help Tool with an electronic signature
  2. Secure Upload via MOHELA, if MOHELA is already the borrower's loan servicer
  3. Mail the application to U.S. Department of Education, MOHELA, 633 Spirit Drive, Chesterfield, MO 63005
  4. Fax the application to 866-222-7060