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Discover Forgiveness Eligibility

See if you are eligible for forgiveness and how much you could be forgiven! We’ll help you decide which forgiveness program is best for you and get you on track to apply.

Find The Best Repayment Plan

Unlock forgiveness faster with intelligent repayment solutions. Discover transparent options based on your loan type, income, and more.

Chip Away With Round-Ups

Build credit history and tackle debt faster by saving $6,300 and 2.5 years of repayment on average.

All-In-One Loan Management

Track loan types, servicer changes, repayment statuses and more. Implement additional strategies to unlock savings and boost credit.


What is student loan forgiveness?

The Public Service Loan Forgiveness (PSLF) is a federal program designed to provide relief to borrowers who work in qualifying public service jobs and help them manage their student loan debt. The program was established under the College Cost Reduction and Access Act of 2007 to encourage borrowers to pursue careers in public service.

Who qualifies for student loan forgiveness?

To qualify for PSLF, you must be an employee of a federal, state, local, or tribal government or a not-for-profit organization, make 120 qualifying payments on your direct loans, and work full time for that employer. Additionally, you must be on a qualifying repayment plan.

When do I qualify for student loan forgiveness?

The PSLF Program offers forgiveness of the remaining balance on your Direct Loans after you make 120 qualifying monthly payments under a qualifying repayment plan, while working full-time for a qualifying employer. This usually takes around 10 years to achieve.