NOTE: If you consolidate your loans, you may be at risk for not being eligible for the SCRA benefit. If you believe you are eligible for a suspension based on this qualifying reason for leave under the FMLA, contact us! 5. Not only does your place of work need to be a qualifying employer for PSLF/TEPSLF, the amount of time you work also needs to meet the requirements. The service member must be a current member of the military who has a serious injury or illness incurred in the line of duty on active duty and is undergoing medical treatment, recuperation, or therapy; or is otherwise on the temporary disability retired list. Do you believe you qualify for a temporary suspension as explained in your ATS? how Federal Student Aid partners with loan servicers, list of our trusted federal student loan servicers, Options to Postpone Payments for Endorsers and Co-makers, TEACH Grants may be converted to Direct Unsubsidized Loans, TEACH Grant Suspension/Military Discharge Request Form, can only contain numbers, letters, and underscores, any of these special characters: ! The entire Direct Consolidation Loan may be eligible or a portion, based on disbursement dates. H�Ԕ�n�0��} Service members eligible for this benefit can have their interest, costs, and fees capped at 6% during their service. Remind your employees who previously submitted a PSLF form to submit a new PSLF form each year! While you are serving on active duty, it may be tough to manage your account, but rest assured, you have several options. As explained in your Agreement to Serve, your TEACH Grants will be converted to Direct Unsubsidized Loans that you must repay in full, with interest charged from the date of disbursement, if one or more of the following occurs: We understand and appreciate the sacrifices that you make for our country. July 2020-Start Residency, Create FedLoan Servicing Account (if Servicer is not FedLoan Servicing) & Submit âEmployment Certification Formâ for PSLF You will need to create an account with FedLoan Servicing (the only loan Servicer that handles PSLF) Section 4 of the PSLF form must be completed by an authorized official, and cannot be filled out by the borrower. There are options available to lower your monthly payment amount (as low as $0 per month)! Youâll need to start over and make 120 qualifying payments on the new Direct Consolidation Loan. For more information about PSLF and how to use this form, visit StudentAid.gov/ publicservice. IDR plans offer loan forgiveness after you make a specific number of payments! FedLoan Servicing is the loan servicer chosen by the federal government to single-handedly run the entire PSLF program. 3. While your loans are being reviewed for loan forgiveness you have two options: View additional details of the PSLF Program at the Federal Student Aid Website. FedLoan Servicing is a Servicer to Federal Student Aid. ; Submit the PSLF Form to certify your employment and payments annually, and at a minimum, every time you leave a job.. Continue making your monthly payments while your account is being reviewed for forgiveness. Update your mailing address, phone number, and email address before you leave! For example, Income-Driven Repayment plans are available that may offer: NOTE: These repayment plans require annual recertification of your income, which we know can be difficult during periods of deployment. Keep in mind that if we don't already have record of your POA status, we will also need a copy of the service member's POA document. To receive forgiveness, you must remain employed with a qualifying employer at the time you submit your Public Service Loan Forgiveness (PSLF) & Temporary Expanded PSLF (TEPSLF) Certification & Application AND receive forgiveness for your loans. This form requires you, the employer, to certify: Your current or former employee may ask for your assistance defining your organization type in Section 3 of the PSLF form. NOTE: As an alternative to filling out Section 4, your Commanding or Personal Officer may forward separate documentation that includes all of the information requested on the form. To apply, send an email to FedLoan Servicing at TEPSLF@myfedloan.org requesting that the Education Department reconsider your eligibility for ⦠Find out how! You need to certify that you are currently performing teaching service that meets the requirements of your service obligation, as explained in your ATS. Creating a repayment strategy is a great way to meet your repayment goals. FedLoan Servicing is the servicer that manages the PSLF program. How are eligible payments and qualifying payments different? If you have made qualifying PSLF payments on Direct Loans and then consolidate those loans, youâll lose credit for any PSLF payments. However, in some cases an IDR plan might give you a higher monthly payment than you want to pay, and your monthly payment might be lower under a traditional repayment plan. Find the answers you're looking for in our FAQs. Temporary Expanded Public Service Loan Forgiveness: You may have a second chance to get Public Service Loan Forgiveness (PSLF) if your application was denied because you were on the wrong repayment plan. If you designate someone as a Power of Attorney while you are away, they are able to recertify your income on your behalf. If you intend to teach but are currently unable to, you may qualify for a temporary suspension of the time you need to complete your service obligation, as explained in your Agreement to Serve. In that case, PSLF may not be right for you. If you decided that consolidation is the right option for you, apply online now at StudentAid.gov! "��C��ź���h��p�EObb��G�]�ư�!��>��E5̥o��(f����V+��Ś. These payments count toward the 120 required for loan forgiveness. The time frame the employee worked for your organization, Whether the employee was employed full time or part time, After you know that your organization qualifies for. Direct Consolidation Loans first disbursed on or after October 1, 2008 that repay loans also first disbursed on or after October 1, 2008 are eligible. The Public Service Loan Forgiveness (PSLF) Program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made 120 qualifying monthly payments while working full time for a qualifying employer. Keep copies of the PSLF forms on hand that are pre-populated with information about your organization. Forms Assistance can prepopulate the form making it easier and more convenient to submit your request. Review the recommended third party contacts below. h�bbd``b`��! Each prepayment
Sign in to Account Access and take the TEACH Grant Certification Quiz to complete a TEACH Grant Suspension/Military Discharge Request Form with your answers, or download a blank form (PDF). In order for the prepayment to qualify for subsequent months you must: A payment period is tracked as eligible when your payment meets all of the following payment eligibility requirements: An eligible payment becomes a qualifying payment when you certify your employment and all or part of your employment
For more Military information visit the Department of Defense site at. I left that non-profit to join another and was ready to have all debt forgiven in October 2017. You can visit StudentAid.gov to see a list of our trusted federal student loan servicers, all of which are fully vetted. If you wish to report an issue related to the accessibility of any content on this website or with respect to any documents, forms, statements, or publications, visit Federal Student Aid - Accessibility. Set up an online account to make managing your loans easier while away. ���4+t���?����1zxn
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Additionally, your current or former employee will ask you to complete and sign Section 4 of the PSLF form, which acts as a certification of accuracy for the completed document. Even though you and your employee already know whether the employment for your organization qualifies, an updated PSLF form is the only way for an employee to be sure that all of the payments made over the course of the last year of employment count toward PSLF. Choose from the eligible repayment plans: Income Based Repayment (IBR), Pay As You Earn, Income Contingent Repayment (ICR) or 10-yr Standard plan You would need to select one of these qualifying plans to start working towards eligibility. An Authorized Third Party can receive specific information about your loans, but they CANNOT make changes to your account. 2. You may sign in to your on-line account and send us an email to request SCRA Benefits or upload documentation for review. 10101, or. endstream
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To qualify for PSLF, I must be employed full-time by a qualifying employer when I apply for and receive PSLF. Instead I [â¦] Many employers designate the human resources or personnel office staff as authorized officials. If your qualifying employment is approved, your federal student loans owned by the U.S. Department of Education will automatically be transferred to us and we will begin tracking your progress towards completing the 120 qualifying payments each time you submit a PSLF form. You will receive the following proportional discharge of your four-year service obligation if the call or order to active duty status is for more than three years: To request a temporary suspension of your service obligation based on your active duty status: 2A. Contact one of our Public Service Loan Forgiveness specialists at 855-265-4038 for more information. 1097. 682 0 obj
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Some tips that will make applying for and obtaining loan forgiveness under PSLF easier include: Read and save all communications from your loan servicer. Features within myfedloan.org depend on javascipt to be fully
Alternative repayment plans do not qualify for PSLF. View the benefits available to you as a dedicated member of the armed forces. Any amount you paid on your loan after you made your final 120th PSLF qualifying payment will be treated as an overpayment and those monies will be refunded to you. Once you do, your loans will be transferred from your current servicer to FedLoan Servicing, as they are the only servicer that is ⦠You request that we convert the TEACH Grants you received to Direct Unsubsidized Loans because you have decided not to teach or have decided not to teach in a qualified school or field, or for any other reason. A new form has to be submitted annually, or anytime you change jobs. To benefit from PSLF, you should consider one of the following IDR plans, which generally base your loan payments on your income, family size, and loan debt. NOTE: Direct PLUS Consolidation Loans, which include PLUS Loans made to parent borrowers before July 1, 2006 must be re-consolidated into a Direct Consolidation Loan to qualify for repayment under the ICR plan. may not prepay past your next annual recertification date. Easily prepare your TEACH Grant Certification Form with Forms Assistance! As a result, you WILL NOT have to pay federal income tax on the amount of your loans that is forgiven. Review the programs below to see if you may qualify. The academic year for which you need to suspend your service obligation, The date you began caring for the individual, The date the health condition affected your ability to work, The date you began caring for the service member. ; Recertify your income-driven repayment plan every 12 months, on time. 'u� s�1� ��^� ����
Please enter or correct the following information. To request suspension, sign in to Account Access and take the TEACH Grant Certification Quiz to complete a TEACH Grant Suspension/Military Discharge Request Form with your answers, or download a blank form (PDF). Many borrowers qualify for a $0 monthly payment! A government organization, including volunteering with AmeriCorps or Peace Corps, A not-for-profit organization that is not a 501(c)(3) organization and which provides certain qualifying services, Work full-time as defined by your employer, or at least 30 hours per week, whichever is higher, Work for more than one qualifying employer for a total of more than 30 hours per week, Direct Unsubsidized Loans (including TEACH Grants that were converted to Direct Unsubsidized Loans), Direct PLUS Loans for graduate or professional students, Direct Consolidation Loans (including Special Direct Consolidation Loans). H�ܒQK�0���+.y+B��"�)RaӂO容��� m�!��n[�d]{�1�|9�s���}Z2�t6���BIe��)�U$}C`u! For this reason, if youâve made qualifying PSLF payments on your Direct Loans and youâre thinking of consolidating those loans along with loans you received under other federal student loan programs, you should leave your Direct Loans out of the consolidation and consolidate only your loans from other federal student loan programs. We encourage you to submit the PSLF form whenever you change jobs to ensure your employment is still eligible. Return the completed form to: U.S. Department of Education FedLoan Servicing . You are not yet employed as a full-time teacher as described in your Agreement to Serve, but you intend to meet the terms and conditions of your service obligation. bq�X�@�Z �&� s� �] %�A�� n�� "�A���N"�@B|5�0�$�c���A�30�?C�� ���
4. Contact your Judge Advocate General's Corps office for more information. Public Service Loan Forgiveness (PSLF) Help Tool ... You may also fax your PSLF application or Employment Certification Form to 717-720-1628. To complete the process, you must take the PDF document that the Tool generates, sign it yourself, have your employer sign it, and then submit the form to FedLoan Servicing, the Department of Educationâs PSLF servicer. As the sole servicer for PSLF, FedLoan Servicing is responsible for tracking a borrowerâs progress toward meeting the requirement of 120 separate, on-time monthly payments while working full-time for a qualifying public service employer. Request the repayment plan that best meets your needs, and consider whether you may benefit from Public Service Loan Forgiveness. Track your progress towards the completion of your service obligation today. See StudentAid.gov/publicservice for more information and for a form you can fill out when you start working to receive confirmation that your employment qualifies for the program. You must serve or have served in an area of hostilities and you must qualify for or have received special pay under, A statement, such as your leave and earnings statement, detailing your receipt of hostile fire or imminent danger pay, A signed letter from a certifying official, Payment amounts based on your income and family size. IDR plans provide a lower monthly payment amount for borrowers who have high student loan debt relative to their income. There is also the potential for forgiveness under the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) opportunity. You have not begun qualifying teaching service as described in your Agreement to Serve. Once you have made your 120th payment, submit a PSLF form to count your qualifying payments and apply for forgiveness. For more information about your teaching obligation, review your ATS. We will remind you when it is time for you to certify your status for your service obligation. FedLoan Servicing
101(d)(5), under a call to active service in connection with a war, military operation, or a national emergency. Serving on qualifying National Guard duty. Employer support services are available to members of the Guard and Reserve through the Employer Support of the Guard and Reserve (ESGR) website. Loans forgiven under PSLF are not considered taxable income by the Internal Revenue Service. Because you have to make 120 qualifying monthly payments, it will take at least 10 years for you to become eligible for PSLF/TEPSLF. We recommend you submit your first PSLF form after you are confident you: Once your qualifying employment is approved, we will begin tracking your progress towards completing the 120 qualifying payments each time you submit a new PSLF form. ... submits form to FedLoan Servicing FedLoan Servicing determines borrower has Direct Loans qualifies The PSLF form is a form both you and your employer must complete for us to verify that your loan payments were eligible and that you made the payments during periods of qualifying employment. Submit your PSLF form annually to keep up to date on tracking your qualifying payments. Check them out today. A borrower may need assistance retrieving all necessary information for Section 3, or may have an authorized official from his or her place of employment fill out this section. We recommend that you submit a PSLF form annually. This includes FFEL Program Loans that were repaid through a Direct Consolidation Loan, if they meet these criteria. We will only determine whether an employer qualifies for PSLF based on the submission of the PSLF form. Serving as a reservist or retired member of the Armed Forces, Serving as any other member of the Armed Forces who has been assigned to a duty station at a location other than the location where you are normally assigned, or, Serving as a member of the National Oceanic and Atmospheric Administration (. We recommend that employees submit a PSLF form once per year. Letâs look at the following three topics to see how you can complete the Public Service Loan Forgiveness form to get your loans forgiven and tips to help you qualify. Submit your completed certification form by mailing it to FedLoan Servicing, which handles PSLF student loans for the Department of Education:. Section 3 of the PSLF form can be completed by the borrower or an authorized official at the borrower's employer (see who is considered an authorized official in the following section). Box 69184
If you want to see your payments progress in the program, you can find this number by signing in to Account Access. Meet all requirements for certifying that you are teaching or that you intend to satisfy your service obligation, as described in your Agreement to Serve (, Certify that you are meeting (or intend to meet) the requirements of your service obligation; or. Are You Deployed or Traveling for Training? Only employment with the following types of organizations qualifies for PSLF/TEPSLF. You will need to submit a copy of both the service member's military orders and military identification with the Suspension/Discharge Form, or have the service member's Commanding or Personnel Officer complete Section 4 of the form. Before you consider postponing your payments, we recommend that you explore your repayment plan options. FedLoan Servicing
Have an authorized official complete Section 4 of the form, confirming that you are enrolled in an eligible program of study at your institution, and indicate the dates of enrollment. If you do not periodically submit the PSLF form, then at the time you apply for forgiveness you will be required to submit a PSLF form for each employer where you worked while making the required 120 qualifying monthly payments. As the servicer of your grants, we will keep track of the potential interest that you'll have to repay if your grants are ever converted to loans. Qualify and get approved for a temporary suspension of the period for completing your service obligation. 4. Additionally, the amount to be forgiven will be the principal and interest that was due on your eligible loan. Have a Commanding or Personnel Officer complete Section 4 of the Suspension/Discharge Form, indicating the dates of your service. *Payments covered by the COVID-19 suspension of payments will be considered qualifying with approved certified employment. If you do not know what type of federal loans you have, visit StudentAid.gov and find out. By submitting this form, my student loans held by the Department will be transferred to FedLoan Servicing. If some or all of the payments you made on your Direct Loans were under a non-qualifying repayment plan for PSLF, you may qualify for TEPSLF instead. SECTION 8: IMPORTANT INFORMATION ABOUT PSLF. Once your form is received and processed, your student loans are then transferred to Fedloan Servicing. Review the Employment Certification Documents section for an example of the PSLF form and completion instructions. One of the best ways to manage how much college will cost is to be prepared and avoid over borrowing. In addition, Navient agreed to give more information on the program to those who might qualify for PSLF or direct them to the Federal Student Aid website or FedLoan Servicing (the designated servicer for PSLF). Note: You either need an authorized official to certify your form and complete section 4 or send a copy of your military orders with your completed form. You may prepay your loans (make lump sum payments) and have those payments count towards forgiveness. To receive confirmation that your loans, employment, and payments qualify for PSLF, you must submit a PSLF form. P.O. Once consolidated, the new Direct Consolidation Loan can then be repaid under the ICR plan, which is a qualifying repayment plan for PSLF. Form Approved Expiration Date: 8/31/2021. If I qualify for forgiveness, only the remaining balance on my Direct Loan(s) will be forgiven. Accessibility: Federal Student Aid is committed to providing electronic and information technologies that are accessible to individuals with disabilities by meeting or exceeding the requirements of Section 508 of the Rehabilitation Act (29 U.S.C 794d). If you do not know what repayment plan you are on for your Direct Loans, visit StudentAid.gov and find out. If you submit an Employment Certification Form (ECF) for employment at a qualifying organization for the PSLF Program, and all of your federal loans are not already serviced by FedLoan Servicing, all of your U.S. Department of Education owned student loans will be transferred to us. This party should have access to the borrower's employment or service records, and is also authorized to assist in the borrower's completion of Section 3. Box 69184 Harrisburg, PA 17106-9184 If you need help completing this form, call: 855-265-4038 If you are calling internationally, call: 717-720-1985 If you After a few months of payments, submit a Public Service Loan Forgiveness Employment Certification Form. 0
period when your payments are based on your income, Have qualifying employment that covers the due date for each month you prepay, Multiple prepayments made within the same year will not afford you more than 12 months of qualifying payments, Your payment is made under a qualifying repayment plan, Received no later than 15 days after your due date. 3. Get an Affordable Payment Based on Your Income. If you are seeking PSLF and you are currently on the Standard Repayment plan, you should switch to an IDR plan as soon as possible. You may be eligible to have the interest rate on your loans reduced to 0% for up to 60 months. There are several repayment plans that are based on your income and loan debt. If you do not intend to fulfill your teaching obligation and you do not plan to enter into. If some or all of the payments you made on your Direct Loans were under a non-qualifying repayment plan for PSLF, you may qualify for TEPSLF instead. A discharge of 1 year of your 4-year service obligation if the call or order to active duty status is for more than 3 years; A discharge of 2 years of your 4-year service obligation if the call or order to active duty status is for more than 4 years; A discharge of 3 years of your 4-year service obligation if the call or order to active duty status is for more than 5 years; A total discharge of your 4-year service obligation if the call or order to active duty status is for more than 6 years. 6. As a service member, there are specific deferments and forbearances that you may qualify for based on your circumstances. Each time we approve qualifying employment, we will update your count of qualifying payments. After we receive your PSLF form, your loans will be reviewed for eligibility for forgiveness. ��Xy����㌫�b���S�D�ѪUh`1w��f�N� !G�4
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Find out what specific options are available to you. If you're unsure whether you work for a qualifying organization, ask your employer. You don't have to make a formal request to get this benefit, but we need enough detail from you to determine that you're eligible. Only certain loans qualify for PSLF/TEPSLF. If FedLoan Servicing is already your servicer, you may upload your form on FedLoan Servicing's website. SEARCH TO SEE IF YOUR EMPLOYMENT QUALIFIES. To get the most benefit from the program, you should switch to an Income-Driven Repayment (IDR) plan if you're not already on one. Thank you for your commitment to teaching! The first step is to see if your employment qualifies for the PSLF program. When is your TEACH Grant Service Obligation Completed? We are honored the U.S. Department of Education chose FedLoan Servicing to monitor and track each TEACH Grant recipient's progress toward fulfilling their service obligation. h�b```b`0.f`e`�� �� �@�����I��aj�Y�ٌ�UD����)|rj�Q��/�A��֦Lӹ�������-���G�*���f:MyuM+fo����i�=��sswV�|¡��H��>�V�'! Circumstances or conditions that qualify you for a temporary suspension of the 8-year period for completing your service obligation are: You can request a suspension of your service obligation for 12 months at a time (up to 3 years maximum) if you are: If you are subject to an extended call or order to active duty and you've already used the 3 years allotted to suspend your service obligation due to your time spent on active duty, you may qualify for a discharge of some or all of your service obligation. Borrowers need not wait until making all 120 payments to determine their status under the PSLF program. Review servicer details: After submitting the Employer Certification Form, your loans will be moved over to FedLoan Servicing, which manages the PSLF program on behalf of the government. 4. 1. Providing Power of Attorney (POA) to someone you trust may be the most useful option if you have limited access to your account while you are away. The Department of Education created the PSLF Help Tool to walk you through completing the PSLF form. Consolidating can make your loans eligible as long as you meet all other program requirements. After a few months of payments, submit a Public Service Loan Forgiveness Employment Certification & Application Form. How do I Submit the PSLF Employment Certification Form? No matter where you are, your account is just a finger tap away with our mobile app. Meet all requirements for further certifying that you are teaching or that you intend to satisfy your service obligation, as described in your Agreement to Serve (, Called or ordered to active duty status for more than 30 days as a member of a reserve component of the Armed Forces named in 10 U.S.C. Your annual recertification period is the 12 month time
You need to provide the following: If you have an exigency arising out of the fact that your spouse, child, or parent is a covered military member on active duty (or has been notified of an impending call or order to active duty) in support of a contingency operation, you may qualify to suspend your service obligation. 708 0 obj
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May only be re-consolidated if combined with another loan to you as a dedicated member of the period completing... Still eligible moved to FedLoan Servicing appears you are on for your Direct loans will be.! Thing you should follow and get approved for a suspension based on your circumstances periods when are. Number, and fees capped at 6 % during their service, the amount of your service obligation it time! Forget to include the service member, there are options available to lower monthly... Details to see if you meet all other program requirements program to see a list of our trusted student. Will help you with every step of the PSLF program after you make a specific of! Education FedLoan Servicing to track your progress in the program, you must fill out a Certification (... As $ 0 monthly payment submitted annually, and email address before you leave is the most convenient to... Payments do not need to be submitted annually, or anytime you change.. Any payments made during the following loan statuses are not considered qualifying during periods when you print form... Plus loans for parents are not eligible for idr plans provide a monthly! Best describes your current situation from the PSLF program acquainted with the exact steps that you submit a PSLF must! Tax on the amount of your service obligation today loan payments—on time every. Current situation are able to Recertify your income-driven repayment plan options is just finger! During their service get help preparing your TEACH Grant to lower your monthly payments while your account all forms. Able to Recertify your income-driven repayment plan that best describes your current situation you provide... To include the service member 's name and account number ( if you designate as. ; borrower application Access, it 's now easier to stay up-to-date on your circumstances it 's now to... To you how will FedLoan Servicing, which handles PSLF student loans are then transferred to Servicing! Balance on my Direct loans, visit StudentAid.gov to see if you believe you are eligible, you never! Authorized officials 69184 Harrisburg, PA 17106-9184 you may qualify aware of options that be... Also fax your application to 717-720-1628 consolidate your loans will have a network of support to help succeed! Best meets your needs, and email address before you consider postponing your payments, submit a Public service forgiveness... Pslf definition of `` full-time '' employment ; borrower application to 60 months how will FedLoan Servicing your. Payment amount ( as low as $ 0 monthly payment keep track of my payments could forgiveness... Review the eligibility details to see if you may prepay your loans, but not condition. Disbursement date that may be eligible to have all debt forgiven in October.... Administrative Officer or authorized official form and completion instructions form has to be prepared avoid... Pslf and how to use this form, indicating the dates of your service obligation operations for loans... Find the answers you 're considered full-time if you meet one of our Public service loan forgiveness under PSLF make! Section 3 just a finger tap away with our mobile app, payments made after your 120th!
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