Federal Student Loan Forgiveness Temporary Waiver Information

The Public Service Loan Forgiveness temporary waiver application deadline is October 31, 2022.

Below are links to resources to better understand the PSLF waiver and steps to access its relief before the deadline.

For more information, visit protectborrowers.org/our-projects/pslf/

How do I know if I’m eligible for PSLF?
During the current waiver period, the Department of Education is allowing borrowers to receive credit toward loan forgiveness for any months since October 1, 2007, during which:

  • They worked full-time for a qualifying public service employer, AND
  • They were in repayment on any federal student loan they took out for their own education.*

You do not have to be currently employed or working full-time to receive loan forgiveness. If you have accrued 120 months of public service employment while your loans were in repayment since October 1, 2007, you can qualify to have your debt cancelled, regardless of what repayment plan you were in, and regardless of whether you actually made a payment for a given month, as long as your loan was not in a deferment, forbearance, or default.
* Parent Plus loans and Spousal FFEL Consolidation loans are not included in the waiver.

More information about applying for the PSLF waiver is available at these links:

For further information, please contact the JFS Resource Center at [email protected] or call 973-777-7638 x614.