Public Service Loan Forgiveness
The PSLF Program allows you to receive forgiveness of the remaining balance of your Direct Loans after you have made the
equivalent of 120 qualifying monthly payments under an accepted repayment plan while working full-time for an eligible
employer. If you are participating in the PSLF Program, you can use the following links to log in to your account at
StudentAid.gov to
Please note: The PSLF program is managed by the U.S. Department of Education (ED), not MOHELA. Additionally,
ED determines the eligibility of employment and payments towards PSLF. Visit
StudentAid.gov/publicservice
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to learn more about how to apply for PSLF or to use the PSLF Help Tool at
StudentAid.gov/pslf
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to complete your PSLF form online.
Waiting for forgiveness? Even after you reach 120 qualifying payments, MOHELA can only discharge your loans once
we receive a file from ED.
Please note: Refunds are issued directly from the Department of Treasury.
PSLF Buyback: Due to changes in PSLF regulations, you can now buy back certain months of your payment
history to make them qualifying payments for PSLF. Specifically, you can buy back months that do not count as qualifying
payments because you were in an ineligible deferment or forbearance status.
The buyback opportunity is only available if you already have 120 months of qualifying employment and buying back
months in forbearance or deferment would result in forgiveness under PSLF or Temporary Expanded PSLF (TEPSLF).
Please note: The PSLF buyback program is managed by the U.S. Department of Education, not MOHELA. To
learn more about next steps, and general information on the program, visit
Studentaid.gov/PSLFbuyback
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.