3 guides to help you fill out your PSLF application before October 31 and get your student loans forgiven faster

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Graduates tossing caps into the air
Public servants need to apply before October 31 to get student loan forgiveness faster.

  • PSLF helps workers at nonprofit, government, and tribal organizations get their student loans forgiven after 120 eligible payments.
  • Under a limited waiver that expires on October 31, more payments count toward the 120 eligible payments.
  • Here are three guides that can help you apply for PSLF as soon as possible.

The Public Service Loan Forgiveness program is designed to wipe out the student loan debt of public servants working for nonprofit, government, or tribal organizations after 120 eligible payments.

Earlier this year, the Department of Education announced a limited waiver that allows more payments to count toward the 120 payments; since then, over 175,000 public servants have gotten $10 billion in student loans forgiven.

Before the waiver was introduced, eligible payments had to be:

  • Made on time
  • Paid in full
  • Made under the correct payment plan

The limited waiver, which expires on October 31, eased the restrictions on what counts as an eligible payment. Until October 31, the following payments also count toward the 120 eligible payments:

  • Forbearance periods of 12 consecutive months or greater, or 36 non-consecutive periods of forbearance
  • Late payments and partial payments
  • Payments from non-qualifying repayment plans
  • Months spent in deferment

Additionally, the 33-month pandemic payment pause counts toward the 120 eligible payments, which means that more public servants are closer to getting their student loans forgiven.

Your employer must sign your PSLF paperwork by October 31

PSLF applicants are required to certify their employment with a nonprofit, government, or tribal organization to qualify for the program. According to the Department of Education, your employer must sign your PSLF application by October 31 in order to reap the benefits of the limited waiver.

To help you apply for PSLF before the limited waiver expires, here are three guides — two completely free, and one that costs $47 — to help you fill out your application.

1. Chipper app (free)

The Chipper app, founded by Tony Aguilar, is designed to help people with student loans chip away slowly at their balances using spare change from everyday purchases. Additionally, Chipper has helped over 5,600 people get their student loans forgiven through PSLF.

Their clean and modern app helps borrowers fill out the application as easily as possible — and it’s free.

2. PSLF webinar (free)

This free, one-hour YouTube webinar hosted by the California Department of Financial Protection and Innovation walks borrowers through the application process.

Experts from the Consumer Financial Protection Bureau and the Student Borrower Protection Center also answer questions for people who have worked at multiple nonprofit organizations, military veterans who have deferred their loans, and other specific situations.

3. The ‘Ultimate Loan Forgiveness Guide’ e-book ($47)

Created by Sonia Lewis, also known as the Student Loan Doctor, the “Ultimate Loan Forgiveness Guide” e-book includes three webinars on page 17 that show borrowers exactly how to fill out the PSLF application.

The webinars include recorded FAQ sections where other public servants ask questions about their specific situations.

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