Public Service Loan Forgiveness Program (PSLF) Overhaul

On October 6, 2021, the US Department of Education announced a set of actions intended to “move away from the current situation in which too few borrowers receive forgiveness, and too many do not receive credit for years of payments they made because of complicated eligibility rules, servicing errors or other technicalities.”

You can read the Fact Sheet with more complete details at the

US Department of Education website.

These actions include:

  • Implement a Limited PSLF Waiver to count all prior payments made by student borrowers toward PSLF, regardless of loan program. The waiver will run through October 31, 2022.

  • Simplify what it means for a payment to qualify for PSLF.

  • Eliminate barriers for military service members to receive PSLF.

  • Automatically help service members and other federal employees access PSLF.

  • Review Denied PSLF Applications and Identify and Correct Errors in PSLF Processing.

  • Improve Outreach and Communication with PSLF-Eligible Borrowers.

  • Simplify the PSLF Application Process.

  • Make Long-Term Improvements to PSLF through Rulemaking.

Carole Trone