Forgiveness is the release of a borrower from the financial responsibility to repay all or a portion of a loan. Typically, student debt is forgiven based on a working as a teacher or in an area of public service. Borrowers must document specific requirements in order to qualify. For instance in the Public Service Loan Forgiveness Program, a borrower must:

  • work for a government agency or for certain types of nonprofit organizations
  • work full-time for that agency or organization
  • have Direct Loans (or consolidate other federal students loans to qualify)
  • repay your loans on an income-driven repayment plan; and
  • make 120 qualifying payments


Each year borrowers wanting to qualify for the PSLP must complete Employment Certification Form yearly or when the borrower changes employers.