The U.S. Department of Education is overhauling the Public Service Loan Forgiveness (PSLF) program. More than half a million borrowers will benefit, receiving more than $4.5 billion in loan forgiveness.

The changes will include the following temporary waivers:

To qualify for these changes, the borrower must file a PSLF form by October 31, 2022. The PSLF form can be used to certify employment or to apply for forgiveness. Either use of the form will qualify.

Additional improvements in Public Service Loan Forgiveness include:

The U.S. Department of Education is planning to make additional improvements in the process of applying for loan forgiveness and will simplify the requirements for a payment to be considered a qualifying payment. The U.S. Department of Education is also planning on allowing some types of deferments and forbearances to count toward loan forgiveness. These changes will be made by issuing new regulations.

More information will be available at

The U.S. Department of Education will also send more information directly to borrowers, so borrowers should make sure their contact information is up to date. If they do not already have an FSA ID, they should do so through the website.

Borrowers who have not yet filed an employment certification form should consider doing so now, using the form which is available through the PSLF Help Tool at

Borrowers who have FFELP or Perkins loans should consider consolidating those loans into a Federal Direct Consolidation Loan now.

Borrowers who previously submitted an employment certification form but were denied because their employer was incorrectly identified as not eligible should submit a new employment certification form for reconsideration. Qualifying employers must still be a governmental organization, 501(c)(3) organization, or non-profit organization, but the list of qualifying employers has been expanded.

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