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Public Service Loan Forgiveness


Public Service Loan Forgiveness

Employment Certification Form

To help you keep track of your eligible payments and months of service, you can complete the Employment Certification (EC) form annually with your employer. It is not a requirement to submit this each year, but will help to ensure that you receive credit for all eligible payments. It is ultimately up to you to prove that you worked full time in an eligible job for the full 10 years. Most employers will not keep employment records for more than a few years—so having your employer complete this form annually gives you a record of your full-time employment with an eligible employer. An EC form is required to be completed at the time you apply for PSLF.

After you and your employer complete this form, retain a copy and submit the original to the address on the top of the form. Your servicer will likely change after you file this form, because the U.S. Department of Education has assigned FedLoan Servicing (PHEAA) to be the one servicers to work with all PSLF candidates.

If you’re looking for more in depth information regarding PSLF, check out our recorded presentation about PSLF here. For a list of frequently asked questions about PSLF, click here.

If you are interested in having an in-person or webinar training regarding PSLF or another student loan repayment topic, please email us at

How To Apply

You can only apply after making the 120 eligible payments in no less than 10 years. The earliest any borrower can apply is September 2017.

You will need to complete both the PSLF Application and the EC form(s). Multiple EC forms may be completed to document your eligible employment over the 120 months. If you’ve already completed EC forms to cover all of your eligible service, you must still complete the EC to certify you are still working at an eligible employer until forgiveness is granted.

Will PSLF Still Be Around When I Apply?

While there have been isolated incidents of PSLF eligibility approval being issued in error, the majority of borrowers who have completed an Employment Certification Form and received approval don’t have to worry. To date, the PSLF rules have not changed for borrowers already pursuing this option.

With that said, there is always a possibility that policymakers in the future will discontinue PSLF, change eligibility requirements, or institute caps on the amount eligible for forgiveness. So you should always exercise caution in basing the amount you borrow or your career choice on the possibility of loan forgiveness. However, we can say it is highly unlikely that any future changes to the program will apply retroactively to existing student loans.