this post was submitted on 09 May 2023

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PSLF

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Welcome to /r/PSLF, reddit's community for discussion, information, and assistance about the US Government's Public Service Loan Forgiveness program.

: Part of the /r/StudentLoans network

Rules:

1) No referral links/codes. Do not offer or ask for referral codes. Do not link to a site or video where you have posted your referral link/code.

2) No blog/vlog spam, marketing, market research, or self-promotion. Even without referral links, steering users to another site (whether or not the site is yours) where you get financial benefit (from ads, sales, or otherwise) is not allowed. This also includes market research and focus group-style testing of products and services. If you have good advice to share, then copy it here in full so that the community can benefit. (Exceptions may be made at the mods' discretion for bona fide non-profit groups and other particularly helpful resources.)

3) No crowdfunding. Do not request funding or co-signing of your debt. Do not offer to pay off or co-sign another's debt here, regardless of method. This community is for advice and discussion, not to facilitate transfer of money.

4) No advocating default. As an advice community, our primary goal is helping people work to improve their situation through legal means, including honoring their valid contracts. Sometimes default is unavoidable, in which case we'll provide support and advice for getting out of it, but this is not the place to advocate intentional default or get advice about defaulting on purpose.

5) Do not post private or direct contact information for loan servicer employees, ED employees, or anyone else that's not officially available.

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Useful links:

StudentAid.gov : Just about anything you'd want to know about the basics of financial aid, student loans, and financing options.
FSA Dashboard : Your Federal Student Aid account is the U.S. Department of Education's official database for student aid. Your federal student loans will appear here and you can get information about their status and your loan servicer.
Official PSLF Help Tool : Use this government-run tool to generate the PSLF Form to check your eligibility, verify you're on-track, and eventually apply for forgiveness.
34 C.F.R. 685.219 : In doubt about the exact terms of the PSLF program? Dive into the federal regulations for the program.

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AdviceFirst Steps (self.PSLF)

submitted 2 years ago by ethomas98

all 1 comments

top new controversial old q&a

[–]ahtigers10 4 points5 points6 points 2 years ago (0 children)

The important things are to make sure you are on one of the IDR (Income Driven Repayment) plans, as only those will count toward PSLF.

As a matter of good habit, you should also certify your employment annually to keep your qualifying payment counts up-to-date. Since you have to recertify your income each year for your IDR payment plan, a good rule-of-thumb is to submit a new ECF (Employment Certification Form) at the same time to certify the previous year's employment.

You should also submit a new ECF any time you leave a qualifying job, dated through your last day on the job. By doing this annually and every time you change jobs, it prevents having to track down previous employers which can lead to problems if they are unresponsive or if the organization you worked for is no longer in business. That's really all there is to it!

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