PSLF

PSLF: Ten Years or 120 Payments?

Public Service Loan Forgiveness takes ten years, but the 120 certified payment requirement is much more accurate.

If your repayment plan isn’t eligible for PSLF, Temporary Expanded Public Service Loan Forgiveness may help.

The minimum requirement and the best practice for how often you should submit your PSLF forms are very different.

Refinancing often means lower interest rates, but some borrowers should avoid a student loan refinance.

Students and recent grads can get an early start on the PSLF loan forgiveness clock by carefully navigating grace periods and deferments.

PSLF is a challenge for government contractors, but there are other student loan forgiveness options beyond Public Service Loan Forgiveness.

There is more than one catch to student loan forgiveness. By learning the hidden problems with programs like PSLF, borrowers can avoid issues.

A big raise could mean losing eligibility for the Income-Based Repayment plan. However, it is still possible to qualify for PSLF.

Getting student loans discharged through Public Service Loan Forgiveness (PSLF) isn’t easy, but it isn’t as hard as some news reports make it sound.