The Public Service Loan Forgiveness (PSLF) program forgives the remaining balance on your Direct Loan.

To qualify, you must:

• Work for a qualifying employer, such as a U.S. federal, state, local, or tribal government or non-profit
• Work full-time
• Make 120 qualifying monthly payments under a qualifying repayment plan while working for a qualifying employer

These normal program requirements resumed on November 1, 2022.

The limited PSLF waiver ended on October 31, 2022. The waiver allowed borrowers to get credit for payments that didn't qualify for PSLF in the past.

Learn more about the PSLF Program.

Use the PSLF Help Tool.

Free City Resources

NYC Financial Empowerment Center counselors can help you apply for student loan forgiveness programs. Visit the Financial Counseling page to schedule an appointment.

Get answers to frequently asked questions about PSLF.

The Administration’s plan includes targeted debt relief for many borrowers, additional relief for families with low to moderate incomes, and a final extension of the student loan repayment pause.

One-Time Student Loan Debt Relief

Courts have issued orders blocking the student debt relief program. Applications are not being accepted at this time. The federal government is seeking to overturn those orders.

If you've already applied, your application will remain on hold. You can subscribe for email updates. You can also check the StudentAid.gov website for updates.

Learn more about the student loan debt relief plan.

Subscribe for email updates.

Student Loan Repayment Pause

On March 20, 2020, the office of Federal Student Aid began providing the following temporary relief on U.S. Department of Education (ED)-owned federal student loans:

• Suspension of loan payments,
• Stopped collections on defaulted loans, and
• 0% interest rate.

These COVID-19 emergency relief measures were extended on U.S. ED-owned federal student loans through June 30, 2023.

This temporary relief does not apply to private student loans.