Application and Employment Certification for Public Service Loan Forgiveness

PUBLIC SERVICE LOAN FORGIVENESS (PSLF) & TEMPORARY
EXPANDED PSLF (TEPSLF) CERTIFICATION & APPLICATION

OMB No. 1845-0110
Form Under Review
Exp. Date TBD

William D. Ford Federal Direct Loan (Direct Loan) Program
PSLF

WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or on any
accompanying document is subject to penalties that may include fines, imprisonment, or both, under the U.S. Criminal
Code and 20 U.S.C. 1097.

SECTION 1: BORROWER INFORMATION
Please enter the following information:
SSN:
Date of Birth:
Name:
Address:
City:

State:

Zip Code:

Telephone – Primary:
Email:
For more information on PSLF, visit StudentAid.gov/publicservice. To apply online, visit StudentAid.gov/PSLF.
SECTION 2: BORROWER REQUEST, UNDERSTANDINGS, AND CERTIFICATION
I request (1) that the U.S. Department of Education (the Department) consider this form an application for loan forgiveness to determine whether
I qualify for PSLF or TEPSLF, and discharge any qualifying loans that I have, and (2) if none of my loans qualify for PSLF or TEPSLF forgiveness
when I submit this form, determine how many qualifying payments I have made toward PSLF and TEPSLF.
I believe I qualify for forgiveness now and request a forbearance while my application is being processed. I understand this period of
forbearance will not count toward forgiveness, if the Department determines I am not yet eligible for forgiveness.
I understand that:
1. To qualify for forgiveness, I must have made 120 qualifying payments on my Direct Loans while employed full-time by a qualifying
employer. Neither the 120 qualifying payments nor the qualifying employment have to be consecutive.
2. To qualify for forgiveness, I must be employed full-time by a qualifying employer when I apply for forgiveness.
3. By submitting this form, my student loans held by the Department may be transferred to a different loan servicer.
4. If the Department determines that I appear to be eligible for forgiveness, the Department may contact my employer before granting
forgiveness to ensure that I was employed by the employer at the time I applied for forgiveness.
5. If I am eligible for forgiveness, the amount forgiven will be the principal and interest that was due on my eligible Direct Loans when I
made my final qualifying payment. Any amount that I pay on those loans after I have made my final qualifying payment will be treated
as an overpayment. I must continue to make payments on any of my other loans.
6. If I am not yet eligible for forgiveness, I will be notified of the determination, why it was made, and how many qualifying payments I
have made toward PSLF and TEPSLF. If I requested my loans be placed in forbearance while this determination was being made, they
will be placed back into repayment.
I certify that all the information I have provided on this form and in any accompanying document is true, complete, and correct to the
best of my knowledge and belief.
Borrower's Signature

Date

Pages 1 and 2 of this form must be completed in their entirety.

Page 1 of 9

(mm/dd/yyyy)

Borrower Name

Borrower SSN

SECTION 3: BEFORE YOU BEGIN
•

We highly recommend that you complete this form online by going to StudentAid.gov/pslf. Doing so allows you to search for your
employer using the PSLF Employer Database to prepopulate this form. You are also able to submit this form if your employer
electronically certifies your employment.

•

You should complete this form annually or any time you change employers or have a change in your employment status.

•

Review the instructions in Section 6 before you complete the remainder of this form.

SECTION 4: EMPLOYER INFORMATION (TO BE COMPLETED BY THE BORROWER OR EMPLOYER)
1. Federal Employer Identification Number (FEIN/EIN):
2. Employer Name:
3. Employer Address:
Street:
City, State, Zip Code:
Employer Website (if any):
4. Employment Period:
Employment or Certification Begin Date:
(mm/dd/yyyy)
OR

Employment or Certification End Date:

Still Employed

(mm/dd/yyyy)
5. Employment Status:

Full-Time

Part-Time

6. Average hours per week:
Check this box if your employer cannot be contacted because the organization has closed or is unable to certify your
employment, and skip to Section 5B.
SECTION 5A: EMPLOYER CERTIFICATION (TO BE COMPLETED BY THE EMPLOYER)
Terms in Bold are defined in Section 7.
By providing an acceptable signature below, I certify that (1) the information in Section 4 is true, complete, and correct to the best of my knowledge
and belief (see Section 6 for instructions), (2) I am an authorized official of the organization named in Section 4, and (3) the borrower named in
Section 1 is or was a direct employee of the organization named in Section 4; or is or was employed under a contract or by a contracted
organization in a position or providing services that, under applicable state law, cannot be filled or provided by a direct employee of the organization
named in Section 4.
Note: If any of the information is crossed out or altered in Section 4 or 5A, the authorized official must initial those changes.
Official's Name:

Official's Phone:

Official's Title:

Official's Email:

Authorized Official's Signature

Date

(mm/dd/yyyy)

SECTION 5B: ALTERNATIVE DOCUMENTATION FOR EMPLOYMENT CERTIFICATION (only if Section 5A cannot be completed)
If you cannot obtain certification from your employer because the organization is closed or because the organization is unable to certify your
employment and indicated that by checking the box above on this form, you can submit alternative documentation that may allow your employment
to be certified. See Section 6 for more information. If this form is submitted without the necessary supporting documents, the PSLF servicer will
contact you to request additional information before your employment can be certified.
Page 2 of 9

SECTION 6: INSTRUCTIONS FOR COMPLETING THIS FORM
When completing this form, type or print using dark ink. Enter dates as month/day/year (mm/dd/yyyy). Use only numbers. Example: March 14,
2023 = 03/14/2023. If you need to correct any answer on this form, cross through the original answer, provide the correct answer, AND initial the
change. This form can be completed and submitted online at StudentAid.gov/pslf. If this form is being completed manually or was generated to
sign manually, it must be signed using an acceptable signature. Terms in BOLD are defined in Section 7.
Notes for completing Section 4:

Notes for completing Section 4 (Continued):

Question 1: The Federal Employer Identification Number
(FEIN/EIN) is a 9-digit number that can generally be found in box b
of your IRS Form W-2 (W-2). However, if your employer uses a
Professional Employer Organization (PEO) or you are a
contracted employee in a position or providing services that, under
applicable state law, cannot be filled or provided by a direct
employee of your employer, you will need to obtain your employer’s
FEIN/EIN directly, because the FEIN/EIN on your W-2 may be that of
a different organization. An FEIN/EIN that is found using an internet
search or on an IRS Form other than a W-2 (for example an IRS
Form 1099), may not be the FEIN/EIN that an employer uses for
payroll purposes and will not be included in the PSLF Employer
Database.
Question 2: If this form was generated by the Help Tool,
the employer name selected from the PSLF Employer Database or
name you manually entered will be pre-populated. If this form is
being completed manually, enter the name of your employer as it
appears on your W-2 (unless your employer uses a PEO, in which
case provide your non-PEO employer’s name).

Question 4: Employment or Certification Begin Date Enter
the date that you began your employment with the employer whose
FEIN/EIN appears in Question 1:
If this is the first time you are submitting this employer for
certification, or

•

If you have continued to be employed in the same
employment status (Question 5) began employment with
this employer.

Question 4 (Continued): Employment or Certification End

Enter the date that you:
•

Ended employment with the employer whose FEIN/EIN
appears in Question 1, or

•

Ceased to be in the employment status reported in
Question 5.

Check the box labeled “Still Employed”, if you are still employed with
the employer whose FEIN/EIN appears in Question 1 at the time you
are completing this form.
Question 5: Check the Full-Time box if you worked an
average of 30 hours or more per week for the period of time being
certified in Question 4 or otherwise meet the definition of Full-Time
provided in Section 7. If you worked an average of less than 30
hours per week, check the Part-Time box.
Question 6: Provide the average number of hours you worked
per week during the period being certified. This should include
vacation, leave time, or any leave taken under the Family Medical
Leave Act of 1993, but should not include time spent performing
volunteer services.

Question 3: If this form is being completed manually, enter
the address of your employer. If your form was generated by the
Help Tool, that information will be prepopulated on this form.

•

Date

Notes for completing Section 5A:

Enter the begin date that you would like to be evaluated with the
employer whose FEIN/EIN appears in Question 1:
•

If your employment status has changed since you last had
your employment certified with this employer, or

•

If you have had a break in employment since you last had
your employment certified with this employer.

The Authorized Official must review the information provided in
Section 4 for accuracy. As part of this review, they should ensure that
the FEIN/EIN provided in Question 1 belongs to their organization
OR is the FEIN/EIN that is used for payroll purposes, that the
employee named in Section 1 is or was a direct employee of their
organization for the period being certified, OR is or was employed
under a contract or by a contracted organization in a position or
providing services for their organization that, under applicable state
law, cannot be filled or provided by a direct employee of their
organization. If the Authorized Official needs to correct any answer
in Section 4, they must cross through the original answer, provide the
correct answer, AND initial the changes.

Page 3 of 9

SECTION 6: INSTRUCTIONS FOR COMPLETING THIS FORM (CONTINUED)
Notes for completing Section 5B:
If you are unable to have this form completed by an Authorized Official because the organization has closed or you are unable to contact your
employer to obtain an acceptable signature, you may be able to certify your employment using alternative documentation. This process will
add significant time to the review of this form. If the employment being certified is or was with the U.S. Military, you can submit this form with a
Form DD-214 or an SCRA Status Report document that corresponds with the employment period in Question 4, instead of completing Section
5A. If the employment being certified is for any other employer, you must submit documentation that confirms both the FEIN/EIN of the employer
AND your period of employment, instead of completing Section 5A. This would include an IRS Form W-2 for every calendar year included in your
employment period (with or without corresponding paystubs), OR paystubs for every month that you were employed during the employment
period. Any month that cannot be documented will not be certified as eligible employment.
SECTION 7: DEFINITIONS
Definitions Specific to this Form

Definitions Specific to this Form (Continued)

The PSLF Employer Database is a searchable database
maintained by the Department that borrowers search by entering their
employer’s FEIN/EIN when using the Help Tool to generate this form.
Forms generated this way will be prepopulated with data from this
database when the form is generated by using the Help Tool. Many
employers are already included in the database and more are added
every day. The database can be searched without logging in by going
to StudentAid.gov/pslf/employer-search. The database will
display if the employer is eligible, ineligible, or undetermined during the
period of employment entered by the borrower.

A direct employee is an employee that is hired by and receives a W-2
to document their compensation from their employer or from a PEO
contracted by the employer. An employee that is self-employed or receives
an IRS Form 1099 is not considered a direct employee.

The PSLF Help Tool can be accessed at StudentAid.gov/pslf.
This Help Tool permits a borrower the ability to search the PSLF
Employer Database to generate this form for eligible employers in
the database. The Help Tool also allows a borrower to request the
Authorized Official to sign this form electronically. By signing
electronically, this form can be submitted for review without the need to
print it out or obtaining an acceptable signature.
The Federal Employer Identification Number (FEIN/EIN) is a
number issued by the IRS to an employer and is generally provided to
the employee in box b of the employee’s IRS Form W-2. This should
not be confused with a similar State ID number that is found in box 15
of the W-2.
A Professional Employer Organization (PEO) is an organization
that provides administrative services, such as payroll and benefits, for
another organization under a contractual agreement. PEOs are coemployers of an employee, but for PSLF purposes, the employee is
considered a direct employee of the non-PEO employer. A borrower
whose employer uses a PEO, will need to obtain the non-PEO
employer’s FEIN/EIN because the FEIN/EIN that appears on their W-2
is that of the PEO. A PEO is not the same as a staffing agency which
instead is the sole employer of an individual who performs their work
for a different organization.

An Authorized Official is an individual who by the authority of an
employer has access to the borrower's employment or service records and
is authorized by the employer to certify the employment status of the
organization's employees or former employees, or the service of
AmeriCorps or Peace Corps volunteers.
The employment period is the time between the employment or
certification begin date and the employment or certification end date
provided on the form or, if the borrower indicates they are still employed,
the time between the employment or certification begin date and the date
the Authorized Official certifies the form. Borrowers are encouraged to
certify their employment annually or when they change employers or
employment status.
Employment status is the determination of whether the borrower is
Full-Time or Part-Time during the employment period on the form. A
separate form must be submitted when there is a change in employment
status with the same employer. A borrower with multiple simultaneous
qualifying Part-Time employers during the same period can be considered
to meet Full-Time employment if the Part-Time hours at each employer
total 30 or more hours.
Full-Time employment, for PSLF purposes, means working 30 or more
hours per week on average for the employment period on the form
regardless of whether the employer considers that Full-Time for other
purposes. Working less than 30 hours per week on average is considered
Part-Time. When determining if a borrower is Full-Time, an employer must
include all hours, including vacation, leave time, or any leave taken under
the Family Medical Leave Act of 1993. However, do not include time spent
performing volunteer services.

Page 4 of 9

SECTION 7: DEFINITIONS (CONTINUED)
Definitions Specific to this Form (Continued)

General Definitions Related to PSLF and Student Loans

If a borrower is employed on a contractual basis where they provide an
average of 30 hours of work per week for a minimum of 8 months in a
12 month period, such as in an educational setting, but they continue
to be considered employed for the full year, they should be considered
Full-Time for the full 12 months.

Note: Additional PSLF and TEPSLF specific terms are defined in-context in
Section 9.

If the borrower performs non-tenure track employment, such as an
adjunct or non-tenure track faculty member, the employer can
calculate the weekly average hours for determining Full-Time status by
using a formula that multiplies the contact hours per week by at least
3.35 hours.
A contracted organization is a separately organized employer that
through a written agreement with a qualifying employer performs
services for the qualifying employer. The direct employees of the
contracted organization are not direct employees of the qualifying
employer. However, if the direct employees of the contracted
organization are in positions or providing services that, under State
law, cannot be filled or provided by a direct employee of a qualifying
employer, the Authorized Official of the qualifying employer can certify
their employment as if those employees were direct employees of the
qualifying employer.
An acceptable signature for this form includes:
•

a handwritten signature in dark ink,

•

a hand drawn electronic signature made using a mouse
or finger on a digital device, or

•

a digitized image of a handwritten signature that has
been embedded on the signature line of this form.

Other forms of signatures including, certificate-based signatures and
typed names, even if using a font that mimics cursive text, are NOT
acceptable signatures for this form.

A loan enters default when a borrower’s payment is delinquent more than
270 days. A loan in default is not eligible for PSLF and payments made
while in default are not eligible payments for PSLF. A borrower can resolve
a defaulted loan by contacting their servicer.
A deferment is a period during which you are allowed to postpone making
payments temporarily, on the basis of meeting the eligibility requirements
for the deferment.
Eligible Loans are loans made under the William D. Ford Federal Direct
Loan (Direct Loan) Program that are not in default.
An eligible payment is a payment that is made in full for a month that
you are repaying your loan under an eligible repayment plan or is the
equivalent of an eligible payment attributed to a month in which you are in
repayment.
A forbearance is a period during which you are allowed to postpone
making payments temporarily, allowed an extension of time for making
payments, or temporarily allowed to make smaller payments than
scheduled.
An Income Driven Repayment (IDR) plan is a repayment plan that
bases your monthly payment on your annual income and family size. These
plans are qualifying repayment plans for PSLF and are, generally, the only
plans that would have a remaining loan balance after you have made 120
qualifying payments. You must recertify your income annually to remain on
an IDR plan.
A qualifying employer is a U. S. based governmental organization, an
organization under Section 501(c)(3) of the Internal Revenue Code that is
exempt from taxation under section 501(a) of the Internal Revenue Code,
or a non-profit organization that dedicates a majority of its full-time
equivalent employees to providing certain non-governmental public
services. Serving in an AmeriCorps or Peace Corps position is also
qualifying employment.
A qualifying payment is recorded when an eligible payment (or
equivalent) is matched to a month of eligible full-time employment with a
qualifying employer.

SECTION 8: WHERE TO SEND THIS FORM
Return the completed form and any documentation to:

If you need help completing this form, call:

Mail to: U.S. Department of Education, MOHELA,
633 Spirit Drive
Chesterfield, MO 63005-1243

Domestic: 855-265-4038
International: 636-532-0600
TTY: dial 711, then enter 855-265-4038

Fax to: 866-222-7060

Website: mohela.com

If MOHELA is already your servicer
Upload to: mohela.com/uploadDocument

Page 5 of 9

SECTION 9: IMPORTANT INFORMATION ABOUT PSLF AND TEPSLF
Terms in Bold are defined in Section 7.
The Public Service Loan Forgiveness (PSLF) program was created by Congress in October 2007, to encourage employment in the public service
sector. A borrower qualifies for forgiveness of any remaining principal and interest on their eligible loans once they have made the equivalent of 120
qualifying payments after October 1, 2007, while employed full-time with a qualifying employer. Congress authorized a Temporary
Expansion of the PSLF program (TEPSLF) in March 2018, that allowed borrowers that were otherwise eligible for PSLF to become eligible if the only
reason they did not qualify for PSLF was because some or all of their payments were made under an ineligible repayment plan. For a more
comprehensive overview of these programs, including FAQ’s, visit StudentAid.gov/publicservice.
LOAN ELIGIBILITY

PAYMENT ELIGIBILITY (CONTINUED)

Only Direct Loan Program loans that are not in default are eligible
for PSLF. Loans you received under the Federal Family Education
Loan (FFEL) Program, the Federal Perkins Loan (Perkins Loan)
Program, or any other student loan program are not eligible for PSLF.
If you have FFEL Program or Perkins Loan Program loans, you
may consolidate them into a Direct Consolidation Loan to take
advantage of PSLF. However, payments made on those loans before
you consolidated them do not count as eligible PSLF payments. In
addition, if you made eligible payments on a Direct Loan and then
consolidate it into a Direct Consolidation Loan, the eligible payments
you made on the original Direct Loan(s) will be added as eligible
payments to the new Direct Consolidation Loan based on a weighted
average of the loans that were consolidated.

A payment is considered made in full if it is received for the full
amount due based on your scheduled payment or if you make
multiple payments within the payment period that add up to at least
the full scheduled amount due. A payment is also considered paid
in full if it is any of the eligible payment equivalents described in
this section.
Eligible Repayment Plans
Your payments must be made under a qualifying repayment
plan. Qualifying repayment plans for PSLF include:
any of the following Income Driven Repayment (IDR) plans:

If you are planning to consolidate your FFEL Program or Perkins
Loan Program loans into a Direct Consolidation Loan to take advantage
of PSLF and do not have any Direct Loans, do not submit this form until
you have consolidated your loans. The online application for Direct
Consolidation Loans contains a section that allows you to indicate that
you are consolidating your loans for PSLF.
If you plan to consolidate Perkins Loan Program loans, first
understand that Perkins Loan Program loans may be cancelled for
certain types of public service. If you consolidate a Perkins Loan
Program loan, you will no longer be eligible for Perkins cancellation.
The online application is available at
StudentAid.gov/consolidation. If you don't know whether you have
Direct Loans, log in to your account on StudentAid.gov.
PAYMENT ELIGIBILITY
An eligible payment is one that is made in full for a month that
you are repaying your loan under an eligible repayment plan or is the
equivalent of an eligible payment attributed to a month in which you
are in repayment. Only eligible payments made on or after October
1, 2007, can become a qualifying payment for PSLF or TEPSLF.

•

Revised Pay As You Earn (REPAYE),

•

Pay As You Earn (PAYE),

•

Income-Based Repayment (IBR),

•

Income-Contingent Repayment (ICR).

Or
The 10-Year Standard Repayment plan, or any other Direct
Loan repayment plan (except the Alternative Repayment
plan), if those payments are at least equal to the monthly
payment amount that would be required under the 10-Year
Standard Repayment plan.
Note: The Standard Repayment Plan for Direct Consolidation
Loans made on or after July 1, 2006, has repayment periods that
range from 10 to 30 years. Monthly payments you make under this
plan are eligible payments for PSLF only if the repayment period is
10 years. This repayment plan is always a qualifying repayment plan
for TEPSLF (for more information regarding eligible repayment plans
for TEPSLF, see below).

Page 6 of 9

SECTION 9: IMPORTANT INFORMATION ABOUT PSLF AND TEPSLF (CONTINUED)
PAYMENT ELIGIBILITY (CONTINUED)

EMPLOYMENT ELIGIBILITY (CONTINUED)

While repayment plans other than an IDR plan may be qualifying
repayment plans for PSLF, you must have a remaining balance to
forgive when you reach 120 qualifying payments. Otherwise, your
loans will be fully repaid within 10 years. You will generally only have
a remaining balance if you have been repaying under an IDR plan.
To apply for an IDR plan, visit StudentAid.gov/idr/.

Qualifying Employer
For PSLF, a qualifying employer is a:

Eligible Payment Equivalents

•

U. S. based governmental organization (at the federal,
state, local, or Tribal level, including the U. S. Armed
Forces and National Guard)

•

a tax-exempt organization under Section 501(c)(3) of the
Internal Revenue Code (IRC), or

•

a non-profit organization that provides certain nongovernmental public services.

You can receive a payment equivalent by making a payment that
exceeds your monthly scheduled payment due so long as it also
satisfies a future scheduled payment. This is often referred to as a
lump sum payment. The number of payment equivalents depends on
the amount received and your scheduled monthly payment due. You
cannot receive a payment equivalent beyond your next IDR
recertification date or 12 months, whichever is sooner. Any payments
in excess of this amount will be applied to principal but will not result in
additional eligible payments.

Service in an AmeriCorps position approved by the Corporation for
National and Community Service under Section 123 of the National
and Community Service Act of 1990 (42 U.S.C. 12573) or a full-time
assignment in a Peace Corps position under 22 U.S.C. 2504 is also
qualifying employment.

Scheduled payments are those that are made while you are in
repayment. They do not include payments made while your loans are
in an in-school or grace status, or in a deferment or forbearance status
(except those included below).

A non-profit organization that is not a tax-exempt organization
under Section 501(c)(3) of the IRC may be a qualifying organization if
a majority of its full-time equivalent employees are engaged in one or
more specific non-governmental public services.

Receiving one of the following deferments or forbearances at any
time during a month is equivalent to an eligible payment:

These services include:

Cancer treatment deferment,
Economic hardship deferment,
Military service deferment,
Post-active-duty student deferment,
AmeriCorps forbearance,
National Guard Duty forbearance,
U.S. Department of Defense Student Loan Repayment Program
forbearance,
• Administrative forbearance; or
• Mandatory administrative forbearance
•
•
•
•
•
•
•

EMPLOYMENT ELIGIBILITY
To qualify for PSLF, you must be a direct employee of a
qualifying employer. A direct employee is someone who is hired and
paid by the employer, and who receives an IRS Form W-2 from the
employer. You may physically perform your work at a qualifying or
non-qualifying organization, as long as you are a direct employee of
a qualifying employer.
However, if you are a direct employee of a contracted
organization that is in a position or providing services that, under
applicable State law, cannot be filled or provided by direct
employees of the qualifying employer, you can be treated as a direct
employee of the qualifying employer where you perform your work.

•
•
•
•
•
•
•
•
•
•
•
•

Emergency management,
Civilian service to military personnel,
Military service,
Public safety,
Law enforcement services,
Public health services,
Public education,
Public library services,
School library and other school-based services,
Public interest legal services,
Early childhood education, and
Public service for individuals with disabilities and the elderly.

Full definitions of each of these non-governmental public
services are available at StudentAid.gov/publicservice.
Non-Qualifying Employer
For PSLF, a qualifying employer cannot be a:
• business organized for profit,
• labor union, or
• partisan political organization.
Additionally, employment as a member of the U.S.
Congress is not qualifying employment.

Page 7 of 9

SECTION 9: IMPORTANT INFORMATION ABOUT PSLF AND TEPSLF (CONTINUED)
EMPLOYMENT ELIGIBILITY(CONTINUED)

TEPSLF ELIGBILITY
To qualify for TEPSLF, you must be ineligible for PSLF only
because some or all of your payments were not made under a
qualifying repayment plan for PSLF and if the payment that you
made 12 months prior to reaching 120 qualifying payments for
TEPSLF and the 120th qualifying payment were at least as much as
you would have paid under the lowest payment available to you on
an IDR plan.

Full-Time Employment
For PSLF purposes, full-time means at least an average of
30 hours per week for the employment period being certified.
All hours for which you are paid should be included in the
average hours worked per week, however, time spent performing
volunteer work should not be included.
Vacation or leave time provided by the employer or leave taken for
a condition that is a qualifying reason for leave under the Family and
Medical Leave Act of 1993, 29, U.S.C. 2612(a)(1) and (3) should be
included in the average hours worked per week.
If you are a teacher or in another position under contract for at
least eight out of 12 months, you meet the full-time standard if you
work an average of at least 30 hours per week during the
contractual period and receive credit by your employer for a full
year's worth of employment.

If you meet these requirements, you will be evaluated for TEPSLF
eligibility under the expanded list of qualifying repayment plans for
TEPSLF which include the:
•
•
•
•
•

Qualifying repayment plans for PSLF,
Graduated Repayment Plans,
Extended Repayment Plans,
Standard Repayment Plan for Direct Consolidation Loans, and
Graduated Repayment Plan for Direct Consolidation Loans.

OTHER IMPORTANT INFORMATION

If you are a non-tenure or adjunct faculty member at an
institution of higher education meaning you are paid solely for the
credit hours you teach, you meet the definition of full-time if you are
employed the equivalent of 30 hours per week as determined by
multiplying each credit or contact hour taught per week by at least
3.35.

The period of service used to qualify for Teacher Loan
Forgiveness or Civil Legal Assistance Attorney Student Loan
Repayment programs cannot also count as eligible payments for
PSLF.

If you are employed part-time by more than one qualifying
employer simultaneously, you may meet the full-time employment
requirement if you work a combined average of at least 30 hours per
week with your employers.
QUALIFYING PAYMENT
You must accumulate 120 qualifying payments to have your
eligible loans forgiven through PSLF. These qualifying payments do not
need to be consecutive.
An eligible payment is considered to become a qualifying
payment when the month to which the eligible payment is attributed is
matched to a month that you have certified full-time employment with a
qualifying employer.

You have the option to request a forbearance on your Direct
Loans if you are submitting this form and you believe that you qualify
for forgiveness right now because you have made 120 qualifying
payments. However, when evaluating whether to choose forbearance,
it is important to understand that these periods of forbearance will not
count toward PSLF or TEPSLF if it is determined you do not have 120
qualifying payments yet. Note: If you do not request a forbearance,
any payments made after your 120th qualifying payment will be
refunded to you or applied to any other outstanding loans held by the
Department.
If you have a month in your payment history that would otherwise
count as a qualifying payment, but it is not because you were in a
deferment or forbearance status other than those that are
considered an eligible payment equivalent, you can take action to
make that month a qualifying payment. To do so you must make a
payment of at least as much as what you would have made under an
IDR plan that you were eligible for each month that meets the
condition.

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SECTION 10: IMPORTANT NOTICES
Privacy Act Notice. The Privacy Act of 1974 (5 U.S.C.552a)
requires that the following notice be provided to you:
The authorities for collecting the requested information from
and about you are §421 et seq., §451 et seq., or §461 of the
Higher Education Act of 1965, as amended (20 U.S.C.1071 et
seq., 20 U.S.C. 1087a et seq., or 20 U.S.C. 1087aa et seq.) and
the authorities for collecting and using your Social Security
Number (SSN) are §§428B(f) and 484(a)(4) of the HEA (20
U.S.C. 1078-2(f) and 1091(a)(4)) and 31 U.S.C.7701(b).
Participating in the William D. Ford Federal Direct Loan (Direct
Loan) Program, Federal Family Education Loan (FFEL) Program,
or Federal Perkins Loan (Perkins Loan) Program and giving us
your SSN are voluntary, but you must provide the requested
information, including your SSN, to participate.
The principal purposes for collecting the information on this
form, including your SSN, are to verify your identity, to determine
your eligibility to receive a loan or a benefit on a loan (such as a
deferment, forbearance, discharge, or forgiveness) under the
Direct Loan, FFEL, or Federal Perkins Loan Programs, to permit
the servicing of your loans, and, if it becomes necessary, to
locate you and to collect and report on your loans if your loans
become delinquent or default. We also use your SSN as an
account identifier and to permit you to access your account
information electronically.
The information in your file may be disclosed, on a case- bycase basis or under a computer matching program, to third
parties as authorized under routine uses in the appropriate
systems of records notices. The routine uses of this information
include, but are not limited to, its disclosure to federal, state, or
local agencies, to private parties such as relatives, present and
former employers, business and personal associates, to
consumer reporting agencies, to financial and educational
institutions, and to guaranty agencies in order to verify your
identity, to determine your eligibility to receive a loan or a benefit
on a loan, to permit the servicing or collection of your loans, to
enforce the terms of the loans, to investigate possible fraud and
to verify compliance with federal student financial aid program
regulations, or to locate you if you become delinquent in your
loan payments or if you default. To provide default rate
calculations, disclosures may be made to guaranty agencies, to
financial and educational institutions, or to state agencies. To
provide financial aid history information, disclosures may be
made to educational institutions. To assist program
administrators with tracking refunds and cancellations,
disclosures may be made to guaranty agencies, to financial and
educational institutions, or to federal or state agencies. To
provide a standardized method for educational institutions to
efficiently submit student enrollment statuses, disclosures may be
made to guaranty agencies or to financial and educational
institutions.

To counsel you in repayment efforts, disclosures may be made to
guaranty agencies, to financial and educational institutions, or to
federal, state, or local agencies.
In the event of litigation, we may send records to the Department of
Justice, a court, adjudicative body, counsel, party, or witness if
the disclosure is relevant and necessary to the litigation. If this
information, either alone or with other information, indicates a
potential violation of law, we may send it to the appropriate
authority for action. We may send information to members of
Congress if you ask them to help you with federal student aid
questions. In circumstances involving employment complaints,
grievances, or disciplinary actions, we may disclose relevant
records to adjudicate or investigate the issues. If provided for by a
collective bargaining agreement, we may disclose records to a
labor organization recognized under 5 U.S.C. Chapter 71.
Disclosures may be made to our contractors for the purpose of
performing any programmatic function that requires disclosure of
records. Before making any such disclosure, we will require the
contractor to maintain Privacy Act safeguards. Disclosures may
also be made to qualified researchers under Privacy Act
safeguards.
Paperwork Reduction Notice. According to the Paperwork
Reduction Act of 1995, no persons are required to respond to a
collection of information unless such collection displays a valid
OMB control number. The valid OMB control number for this
information collection is 1845-0110. Public reporting burden for
this collection of information is estimated to average 30 minutes
per response, including time for reviewing instructions, searching
existing data sources, gathering and maintaining the data
needed, and completing and reviewing the collection of
information. The obligation to respond to this collection is required
to obtain a benefit (34 CFR 685.219). If you have comments or
concerns regarding the status of your individual submission of this
form, please contact your loan holder directly (see Section 8).

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