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Learn About the Public Service Loan Forgiveness Program

The Public Service Loan Forgiveness program (PLSF) is a way for the government to forgive the remaining balance of your federal student loans after 120 payments under a qualifying repayment plan, all while working full-time for a qualifying employer.

Now, what does that really mean?

We get it—it’s a pretty complicated concept. But don’t worry, that’s where we come in. We’re here to not only provide you with all the information you need to fully understand public sector loan forgiveness, but connect you with experts to get you started on the right loan forgiveness plan.


With Public Service Loan Forgiveness for teachers, you can get on the right track to financial freedom. Read below to understand this program and how we can get you the expert assistance you need.

Law Enforcement

Law enforcement loan forgiveness is readily available through the Public Service Loan Forgiveness program, and it has never been easier and more convenient to find out if you qualify for police student loan forgiveness.


Sizable student loan balance can add unnecessary stress on your life, finances, and career. Luckily, there are a variety of ways that you can go about receiving public service loan forgiveness for nurses.

Public service loan forgiveness can be provided for a variety of careers in the public sector. Find your field below to learn more about the options available to relieve your student debt:

Information at Your Fingertips

Unfortunately, the Department of Education doesn’t make it easy for you to find the information you need on public service loan forgiveness. That’s why we’ve broken down our site into categories by industry. Regardless of your public service, nonprofit, military, or law enforcement career, you can quickly and easily find the information you need to take the next steps.

Frequently Asked Questions

What Is The Public Service Loan Forgiveness Program?

Student loans, as you probably already know, can be crippling—they’ve even been cited as one of the biggest modern financial crises. That’s why the William D. Ford Direct Loan program, nicknamed the “public service loan forgiveness program,” PSLF, or the “public student loan forgiveness program,” came into being. This program started when President Obama signed the Health Care and Education Reconciliation Act of 2010 and was set in place to help former students working in the public sector pay off their student loans.

How Public Service Loan Forgiveness is Different?

The Direct Loan Program (FDLP) is the only government-backed loan program in the United States. As a result of expanded funding for federal student loans, more borrowers gained access to more options with loan repayment. With the Health Care and Education Reconciliation Act of 2010, the following changes were made:

  • The federal government no longer gives subsidies to private lending institutions for federally backed loans.
  • Borrowers who received new loans in 2014 qualify for payments based on 10% of their discretionary income.
  • New borrowers are eligible for public service loan forgiveness program after 20 years instead of 25 on qualifying payments.
  • Money will be used to fund poor and minority students and increase college funding.

There is a host of benefits in this program that you should be taking advantage of. Not only do you have the ability to consolidate all your federal student loans into one new loan, but in that consolidated loan, you’re able to choose a repayment plan that works best for you.

The Four Different Repayment Plans


Payments are made based on your income, family size, loan balance, and interest rate. With this plan, you can have a payment as low as $0/month.


Loan payments are based strictly on your income and family size—not the balance or interest rate of your loan. You’ll pay 15% of your discretionary income monthly. With this plan, your payment could be as low as $0/month.


This plan is also based on your income, but uses 10% of your discretionary income for payments. Because this plan often has the lowest monthly payments, qualifying for the PAYE repayment plan can be difficult. You could have a monthly payment as low as $0 with this plan.


A revision of PAYE was developed to take into account older loans that weren’t not eligible under PAYE. REPAYE also has provisions for interest forgiveness. difficult. You could have a monthly payment as low as $0 with this plan.

Stay Informed

We’re also your go-to resource for the latest changes to the public service loan forgiveness program—our news section has all the latest on the program, administrative leanings, and more. The PSLF Blog also provides more in-depth information on the public sector loan forgiveness program.

Get the Ball

This is just the beginning of your journey with the public service loan forgiveness program. Get on the right path to student loan forgiveness and contact us today at 987-654-3210!

We’ll put you in contact with experts who will guide you
through this program.