Welcome to the Public Service Loan Forgiveness (PSLF) Eligibility Checker! Complete the following questions to for insight into whether you may be eligible for the PSLF program, and what steps you need to take.

Keep in mind that this quiz is only intended to give you a sense of what steps are necessary. For the final word on your eligibility for PSLF, please consult your student loan servicer.
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Do you have federal student loans? *

Federal student loans are funded by the government, but are serviced by companies such as FedLoan Servicing, Navient, and others. If you’re unsure, you can find any federal loans in your National Student Loan Data System (NSLDS) account here: https://www.nslds.ed.gov/npas/index.htm

 
Do you work full-time (according to your employer’s definition) or at least 30 hours per week at an eligible job? *

This includes federal, state, and local government, 501(c)(3) non-profit work, public education, military service, and other work. You must either work full-time according to your employer or work at least 30 hours per week (whichever is greater).

 
Are you repaying Parent PLUS loans? *

You will only have Parent PLUS loans if you are a parent. These loans are disbursed in the parent's name in order to pay for their child's education, but can still be eligible for PSLF.

 
Are your federal student loans "Direct Loans"? *

Direct Loans are a type of federal student loan. Many federal loans are Direct Loans, and the main exceptions are any Perkins or Family Federal Education Loan (FFEL) program loans. You can check whether or not your loans are Direct Loans by syncing your loans with Student Loan Hero or checking your National Student Loan Data System account at https://www.nslds.ed.gov/npas/index.htm

 
Are you currently enrolled in an income-driven repayment plan? *

Income-driven plans include Income-Based Repayment (IBR), Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE), and  Income-Contingent Repayment (ICR). If you haven't specifically enrolled in one of these plans, you likely aren't on one. To qualify for PSLF, you MUST enroll in one of these plans.

 
Have you enrolled your Parent PLUS loans in the Income-Contingent Repayment (ICR) plan? *

Enrolling in ICR is the only way to become eligible for Public Service Loan Forgiveness. In order to do so, you must first have consolidated your loans through the Direct Loan Consolidation program, which is a federal program that is free and available for all federal student loan borrowers.

If you don't have federal loans, unfortunately you’re not eligible for Public Service Loan Forgiveness. Instead, you may want to look into refinancing your private student loans to lower your interest rates. You can check eligibility and get your rate here:
Explore refinancing
Congratulations, not only are you eligible, but it looks like you might already be on the path to Public Service Loan Forgiveness! If you weren't keeping track, any payments you have made on your income-driven plan while working at a qualifying employer can be retroactively credited towards the 120 monthly payments you need to receive PSLF.

If you want to pursue PSLF, make sure you complete the Employment Certification Form once per year for each employer.

Click below to read more about PSLF and the details of the program.
Learn More
If you’re unsure if you job qualifies for PSLF, review employment requirements for Public Service Loan Forgiveness and contact your employer to ask.

If you don't qualify, instead consider looking into refinancing your student loans to lower your interest rates. You can check eligibility and get your rate here
Explore refinancing
If you have federal student loans that are not Direct Loans, they won't qualify for Public Service Loan Forgiveness. The solution is to consolidate your loans through the federal Direct Loan Consolidation program. This free federal program is available to any borrowers with federal student loans. Upon consolidating, all of your loans become Direct Loans, therefore becoming eligible for PSLF.

However, be aware that consolidating any loans into a new Direct Consolidation Loan will result in resetting the count of the 120 qualifying payments you must make to receive PSLF.

Consolidating will also allow you to select a new repayment plan. This is a great opportunity to get onto an income-driven repayment plan as enrollment in an income-driven plan is necessary to receive Public Service Loan Forgiveness.

Before committing, check out the PSLF Calculator to see if pursuing PSLF is really a good move for someone with your loan balance and income. You can find it by clicking on "Calculators" at the top of this article!

If you are ready to consolidate your loans and enroll in an income-driven repayment plan, you can do so through your Student Loan Hero account. Get started by clicking below.
Get Started
It looks like you've met almost all of the PSLF requirements! You just need to switch to an income-driven repayment plan. If you are currently enrolled in the 10-Year Standard Plan, any payments you have made so far (while employed at a public service organization) may retroactively count towards the 120 payments needed for PSLF, but you'll need to enroll in one of the four income-driven plans in order to receive PSLF. Fortunately, these plans generally reduce your payments.

Before committing, check out the PSLF Calculator to see if pursuing PSLF is really a good move for someone with your loan balance and income. You can find it by clicking on "Calculators" at the top of this article!

If you decide PSLF is your best choice, you can enroll in an income-driven repayment plan by contacting your student loan servicer or through your Federal Student Aid account at www.studentloans.gov

Then head on over to Student Loan Hero to start tracking your loan repayment in your dashboard!
Get Started
If you have Parent PLUS loans, you must consolidate them through the federal Direct Loan Consolidation program in order to qualify for PSLF. Parent PLUS borrowers are in a unique situation with regards to PSLF, because they must enroll in the Income-Contingent Repayment (ICR) plan to make qualifying payments. This plan will set your payments at 20% of your monthly discretionary income.

To see what your payments would look like under ICR and (if you choose to) consolidate and enroll in the ICR plan, check out our federal consolidation tool by clicking below.
Get Started
It looks like you've met almost all of the PSLF requirements! You just need to ensure you are signed up for the Income-Contingent Repayment (ICR) plan. This plan bases your payments on your income, and is necessary to qualify for PSLF. To enroll, you must first consolidate them through the federal Direct Loan Consolidation program in order to qualify for PSLF.

To see what your payments would look like under ICR and (if you choose to) consolidate and enroll in the ICR plan, check out our federal consolidation tool by clicking below.
Get Started
Congratulations, not only are you eligible, but it looks like you might already be on the path to Public Service Loan Forgiveness! If you weren't keeping track, any payments you have made on your income-driven plan while working at a qualifying employer can be retroactively credited towards the 120 monthly payments you need to receive PSLF as long as you consolidated your loans through the federal Direct Loan Consolidation program first.

If you want to pursue PSLF, make sure you complete the Employment Certification Form once per year for each employer. 

If you haven't consolidated and would like to explore the option, check out our federal consolidation tool by clicking below. You can use it to complete the entire consolidation application.
Get Started