Public Service Loan Forgiveness (PSLF) Eligibility Estimator

Your Federal Student Loans

What types of federal student loans do you currently have? (Check all that apply)

Your Employment

Full-time for PSLF generally means working an average of 30+ hours/week for one or more qualifying employers, or what your employer considers full-time, whichever is greater.

Repayment Plan & Progress

This is your estimate. Qualifying payments are complex and include those made after Oct 1, 2007, on eligible loans, under eligible plans, while with eligible employment. Recent waivers and adjustments (like IDR Account Adjustment and COVID-19 pause) may affect your count. Refer to StudentAid.gov for official tracking.

PSLF Eligibility Estimate

Please complete all previous tabs to view your eligibility estimate.

This tool provides an estimate. For official PSLF tracking, employer certification, and to apply for forgiveness, always use the PSLF Help Tool on StudentAid.gov.

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