The Public Service Loan Forgiveness (PSLF) program has always sounded simple: work in the public sector, pay your loans for ten years, get the rest forgiven tax free. But every borrower who has interacted with the program knows that it’s anything but simple. The labyrinth of underlying requirements has led to its notoriety for rejecting upwards of 98% of applicants, making actual forgiveness seem like a pipe dream for borrowers.
All that is about to change. The Department of Education has recently announced sweeping changes to the program that will make it easier to qualify and easier to achieve forgiveness. Here’s what we know so far.
For a limited time only through October 31, 2022, the Department of Education is offering a Limited PSLF Waiver to count previous payments that were previously ineligible because of loan types or repayment plans. This will help thousands of borrowers who were denied forgiveness in the past and could now be eligible to have their entire loan balance wiped away.
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