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July 18, 2024

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Limited Waiver for Student Loan Forgiveness Ends Oct. 31

If you've worked in public service, you may be eligible for the Public Service Loan Forgiveness (PSLF) Limited Waiver.

Do you have federal student loans? Have you worked in public service (for a government agency, the military or a non-profit organization)? If so, find out whether youโ€™re eligible for the Public Service Loan Forgiveness (PSLF) Limited Waiver, which expires on October 31, 2022. Thousands of federal student loan borrowers have used the waiver to get closer to total loan forgiveness.

The PSLF waiver might work for you if you have:

  • Federal Direct Loans โ€” or can consolidate other types of federal student loans like FFEL or Perkins into a Direct Loan by October 31, and
  • Work history with qualifying public service employers.

For a limited time, the waiver gives you credit for repayment periods that previously wouldnโ€™t have counted โ€” times when you didnโ€™t make a payment, didnโ€™t make it on time, didnโ€™t pay the full amount due, or werenโ€™t on a qualifying repayment plan.

With the average borrower getting a yearโ€™s worth of credit with the waiver, nowโ€™s the time find out if the PSLF waiver could work for you. Before October 31, 2022:

  • Log into your Federal Student Aid account. Use your Federal Student Aid ID to access and complete the PSLF Limited Waiver requirements.
  • Submit the PSLF form. Use the PSLF Help Tool to verify current and past employment that you want credit for and submit the PSLF form.
  • Confirm (or consolidate into) Direct Loans. The waiver only applies to Direct Loans, so consolidate your existing federal loans by October 31, 2022.

Always contact Federal Student Aid or your loan servicer with questions about loan repayment. And if a company says they can help you sign up for PSLF or any student loan forgiveness program for an advanced fee, itโ€™s a scam! Report it to the FTC at



About the Author

Michael Aldrich

Michael Aldrich is Nashville Parent's Managing Editor and a Middle Tennessee arts writer. He and his wife, Alison, are the proud parents of 4-year-old Ezra and baby Norah.