Policymakers & Advocates

Public Service Loan Forgiveness

Policymakers & Advocates

Public Service Loan Forgiveness

Eligible Loans

Non-defaulted loans made in the Direct Loan (DL) program are eligible. These include:

Direct Subsidized Stafford loans
Direct Unsubsidized Stafford loans
Direct Grad PLUS loans
Direct Parent PLUS loans
Direct Consolidation loans
Perkins loans Federal Family Education Loan Program (FFELP), and some health professions and nursing loans are also eligible if consolidated into the DL program. No payments made before the consolidation will count toward the 120 needed for forgiveness.

Defaulted loans can regain PSLF eligibility if they are consolidated out of default or rehabilitated.

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