Public Service Loan Forgiveness (PSLF) Program

The PSLF Program forgives the remaining balance on your Direct loans (federally funded student loans) after you have made 120 (10 years) qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Qualifications

To qualify for PSLF, you must:

• Work for a government agency (federal, state, local, or tribal) or for certain types of nonprofit organizations,
• Work full-time for that agency or organization;
• Have loans consolidated under U.S. Dept. of Education with a qualifying servicer;
• Repay your loans on an income-driven repayment plan; and
• Make 120 qualifying payments.

Additional Information

Visit the following links for additional information:

• Public Service Loan Forgiveness Program
• Qualifying Repayment Plans
• Additional Resources

Loan Forgiveness Employment Certification Forms

• City of Montgomery: City Public Service Loan Certification Form

For questions regarding the Loan Forgiveness Employment Certification forms, please contact Laura Hughley at (334) 625-2677.

Frequently Asked Questions (Public Service Loan Forgiveness (PSLF))

• General Information
• Qualifying Employer
• Eligible Loans
• Qualifying Payments
• Qualifying Repayment Plans
• PSLF Process

Frequently Asked Questions (Income-Driven Repayment Plans)

• How is my monthly payment amount calculated under an income-driven repayment plan?
• Am I eligible for income-driven repayment?
• What will happen if I don’t recertify my income and family size by the annual deadline?
• What types of federal student loans can I repay under an income-driven repayment plan?
• How do I decide which income-driven repayment plan to choose?
• What other options do I have if I need help repaying my student loans?

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