Everything I Learned From Four Years In The Public Service Loan Forgiveness Program

school building

I am an attorney with a very large amount of law school debt. I work for a public service organization, and I’m using the Public Service Loan Forgiveness program (PSLF). The ins and outs of PSLF can be confusing at times, but after maneuvering it for the last four years, I’ve learned a couple of things that might make using this program easier for those of you who want to take advantage. Today, I’m going to take you through the program in as easy a way to understand as possible. So get ready, we’re diving it!

Here are the basics that you need to know. Your loans have to be consolidated into one Federal Direct Loan, held by the Department of Education, and that loan cannot have been in default at any point; if it has been, you’ll need to rehabilitate the loan before you can qualify for PSLF. If your loans are not consolidated, you can apply to do so here; the process will take between 60-90 days. You then have to get enrolled under a qualifying repayment plan, from which there are several to choose, and you can apply for any of those repayment plans at the same time you apply for consolidation. Lastly, you have to make 120 on-time qualifying payments. Qualifying means you’re working in public service when you make them, it’s under one of the specified repayment plans, and it’s for the full amount required under your repayment plan. These 120 payments don’t have to be consecutive, though; if you leave public service for a couple of years then go back, you can just pick up where you left off. There’s no limit on the amount of time you can be away from public service before returning and resuming your payments under PSLF.

Strategically, there are a couple of things to remember about PSLF. If you qualify (and most people in public service jobs will since their debt-to-income ratio will be high), you’ll need to get on one of the income-tied repayment plans – either income based, income contingent, or pay as you earn. This is how you’ll get a portion of your debt forgiven. If you are making the full payment every month under a standard repayment plan, which is typically a ten-year plan, you’ll have already paid off your balance by the time you’d qualify for forgiveness.

Also you want to “re-up” on your public service certification regularly. I send in the “Employment Certification Form” annually, because I want a paper record for each year I’m in public service. This will make it easier when, come six years from now, I apply to have my loans forgiven. They can just pull my file and see 10 years’ worth of certification forms demonstrating that I was working in public service, and I won’t have to go to HR to ask them to help me fill in the gaps (which would suck). This is really important if you end up switching jobs over those 10 years. What’s also important, as anyone who’s dealt with student loans will tell you, is avoiding additional paperwork and hassle in an already overloaded bureaucratic system. Keeping records yourself and constantly sending in these certifications is a big help in avoiding clogged bureaucracy.

I also recommend enrolling in their automatic debit plan. This will ensure that your payments are on time every month, as being even one day late will render that particular month’s payment void for purposes of calculating your 120 qualifying payments (I learned that lesson the hard way – curse you Cinco de Mayo hangover of 2012!) Mentally, I find it helpful because it just comes out of my bank account automatically, and I can ignore it and just pretend I’m debt free and that payment is for my mortgage for my swanky condo.

Once you’ve hit 120 qualifying payments, you can apply to the Department of Education for loan forgiveness. However, since the program wasn’t created until 2007 and it requires ten years’ worth of payments, the earliest a loan will be forgiven under this program is 2017, so we don’t yet know how that process will work or how long it will take to actually have your debt forgiven. I’ve spoken to representatives from the Department of Education, and they are currently working on creating the forms and ironing out the process they will use.

It wouldn’t be student loans if there weren’t some tricky details. This is kind of buried in their information, but you have to be working in public service at the time you request and receive the loan forgiveness. So once you hit 120 qualifying payments, don’t go quitting your job and then applying for forgiveness, because you’ll be denied. This is important for someone who plans to move to the private sector after putting in their 10 years in public service – make sure you’ve applied for and received the forgiveness before you move on!

The forgiven balance is not taxable. People tend to get confused about that point. Under other programs it is, such as an income-based repayment plan that is not tied to public service, but not under PSLF. As far as filing your taxes go, there should be few, if any, implications, other than perhaps claiming a lesser student loan interest deduction for the year in which you receive forgiveness.

Perhaps most important to remember if you’re hoping to take advantage of this program now or in the future: PSLF may be in jeopardy. The House Republicans recently proposed budget removes this program altogether, and even Obama’s budget proposes to limit the amount that can be forgiven to $57,000, though experts are hopeful that those currently enrolled in the program won’t be affected and can be grandfathered into any program with a cap.

Now, neither of those budget proposals are official, mostly just political displays, but for a lot of students (especially those with higher education debt), $57,000 is just a drop in the bucket when it comes to their student loans. If at the end of ten years I can only get $57,000 of my debt forgiven, I would be better off just going back to the private sector making three times what I make now, and repay it all under the ten-year standard repayment plan.

There’s going to need to be some political movement in order to keep this program in its current form. My hope is that more people working in public service start utilizing this program; the more people who do, the harder it will be for politicians to take it away. PSLF doesn’t get a lot of publicity or press, which is a shame, because this is one of the few true breaks that people with high student debt get. With economists predicting that student debt is the next big financial crisis, and with the federal government in particular having trouble drawing in young talent, we really need to be giving students all the help they can get while incentivizing public service.

More information, along with FAQ’s, can be found here and here. Also, please feel free to ask questions in the comments section! Finally, here’s a link to a glossary of terms if you need them, which is a super helpful resource!

Jayne is a lawyer who spends her free time doing yoga, traveling, and praying that a hacker group wipes all student loan debt from the planet.

Image via Flickr

  • Banyan

    I’m glad I read this. I’ve been going around saying that I will be in horrible debt to the IRS after my loans are forgiven. It’s an enormous relief to hear that that may not be the case after all.

    I am very nervous about this plan being repealed. Can they really repeal a plan like this without grandfathering in those of us who entered public service in reliance on it?

    • Jayne Ricco

      That is definitely a concern, but from the research I’ve done, it’s very unlikely for a couple of reasons. First, discretionary programs are the ones that require annual budget appropriations to operate and can cease due to lack of funding, but PSLF is NOT a discretionary program. PSLF is established by statutory law, so it would take an act of Congress to change it, not a mere lapse in funding. Now, that could happen if the climate was right, but PSLF is incorporated into the Master Promissory Note containing the contractual terms of federal student loans, and there’s been no indication that any changes would be applied retroactively, so it would likely only affect future borrowers. That alone is bad, but (for now) it seems that borrowers currently using the plan would be safe.

  • meep the reincarnated.

    it’s great reading this. i plan on attending law school as well and i’m almost certain i’ll be in PSLF afterwards. the only thing scaring me away is the potential of it being taken away by republicans. looking at it, i still have three years of law school then at minimum a decade after. that’s a long time to depend on hoping a republican government won’t be elected.

  • Nom

    It doesn’t state anywhere on the website that your loans have to be consolidated to apply for forgiveness, you only have to consolidate if you want your Perkins or FFEL loans to be forgiven. Can you confirm that you indeed have to consolidate your loans, if they are all Direct loans, and where you got this information? Thanks.

    • Jayne Ricco

      If they are all direct loans, you’re fine. That’s really only for people, like myself, who had a combination of both Direct loans and FFEL loans. Mine were consolidated into one Direct loan. It still might be worthwhile to consolidate all your various direct loans (if you have more than one) into one Direct consolidation loan, so it’s easier to keep track of “qualifying payments” since you’d only be making one payment a month, to one servicer. But I would talk to someone from the Department of Ed before doing that, since doing so can affect the interest rate you’re paying. If your rates are lower on your various direct loans than they would be on your consolidation loan, I would just keep it as is – just be more diligent in your record-keeping if you plan on applying for forgiveness for all of them.

      • Nom

        Thanks for your answer, and for the informative article!

        • J La

          Not sure if this will be helpful to you, but I was told I had to first consolidate my loans into one federal loan, as I have a combination of Stafford and Grad Plus loans (8 different loans altogether, though all managed by one firm – NelNet). My initial request for PSLF was denied, and they sent a letter about consolidation, which was confirmed in a phone call. I’ve been holding off as it seems my monthly payments would be a significant amount higher after the consolidation, based on the calculation estimate tool, using income-based repayment. Payments would jump from ~$550 to ~$1,000/month.

    • Carolyn Wren

      Thanks for asking this question! I was about to freak out when I thought I had wasted a year of payments by not consolidating my Direct Loans!

  • This article is awesome. Really useful info but also underscores how damaging political apathy can be on a very direct and personal level. Get out there are vote in those off-year elections people!

  • Jessika

    If you’re repaying with a different payment program, are you able to submit some sort of form and retroactively pay the difference? I think my husband’s on an income-based repayment plan that doesn’t qualify for the loan forgiveness program. If he were to change to the appropriate repayment program, would our 120 months of payment start then? Or is there a way to backpay the difference (if there is any) owed?

    • Jayne Ricco

      Unfortunately they don’t allow retroactive qualifying payments. It’s unfortunate because, especially initially, there was a lot of confusion about repayment plans. But definitely call a loan counselor with the department of education and ask!

      • Jessika

        Great. Thank you!

  • Beth Diamond

    I learned the hard way that you have to start the annual income re-certification process EARLY! I contacted Fed Loan Servicing in November last year and it took them so long to go through the process and establish my new payment amount, that they had to put part of my debt in administrative forbearance – basically a month that no payment is made, but it’s *their* fault, not mine. I’ll be essentially an indentured public servant for 8 more years, but the work is satisfying, I’m helping people, and at the end, a big chunk of law school debt will evaporate…

    • Jayne Ricco

      Yes that is a good point! I’ve been lucky so far (knock on wood) and mine have always been processed quickly but that’s not always the case!!

  • Jim

    Jayne, I’m currently on a graduated repayment plan, I don’t believe it’s income based – do you know if I would qualify?

    • Jayne Ricco

      The website states that a graduated repayment plan would qualify, but only for the months where your payment is equal to what you would be paying under the standard 10-year repayment plan. So, essentially, only payments made in the later years of a graduated repayment plan would probably qualify. If you qualify for graduated repayment, my guess would be you qualify for one of the income-tied repayment plans, at least for now. You can always apply for one of them and see!

  • John Galt

    Article disgusts me. You’re pushing your poor financial choices back on the taxpayers and true contributors of society. Program should be cut. Go to that private sector job and pay off the loan you agreed to.

    • JR

      Remember that we are also taxpayers. Are you suggesting that we should not take advantage of a public program that we ourselves also help fund?

      • John Galt

        Program shouldn’t exist in the first place. If the group of people taking from the program were fully funding it with their tax dollars (they arent, given the public service job and high levels of debt you’re not really paying taxes vs someone with a real job in the private sector) then the program would have no purpose because everyone could pay for their loans.

        Side point, if the government weren’t offering these loans to everyone regardless of ability to pay them back, the cost of education would be lower (supply and demand- by offering cheap money colleges can and did raise tuition to meet the freeone being handed out.

        • ookoshi

          Objectivism, also known as, “My philosophy justifies me being an asshat to people.”

          My disagreement with your stance on ending the program isn’t the issue, it’s the condescending way you talk down to people who are doing nothing more than maximizing their situation in the reality of the current world.

          If you have a problem with the program, by all means do so. But your problem shouldn’t be with the people who try and make the best for themselves, and participate in a program so that they will not be disadvantaged vs the people who do participate. Because at that point you aren’t being an objectivist, you’re just being a dick.

          • Hears a Who

            I agree with ookoshi. These are disadvantaged people crippled by the insane college costs and bad choices. Its not there fault they chose a field of work with little pay at the end. America needs more lawyers and graduate students so we can think our way out of this mess. Enough of this thinking with your gut ( or ass in john Galt’s case) that hard work means a better life. Not always. Sometimes uncle Sam has to help people out whether they are single moms or doctorate candidates.

        • Jayne Ricco

          Jobs in the public sector are just as “real” as in the private sector. You sound like a Libertarian who believes there should be no government, or just someone who isn’t smart enough to understand the economic principles at work here.

          Also, loans aren’t “free” – people using the PSLF program are paying them back, with interest, for ten years, no less. Student loans aren’t dischargeable in bankruptcy, either, so people aren’t getting free rides here.

          And anyone who understands the economic principles at play in higher education understands that the rising cost of tuition is a complicated issue with several causes, not just student loans.

        • “I created an account on Disqus in order to tell everyone that I like Randian philosophy more than I like people educating themselves.”

    • Jayne Ricco

      First of all, your comment assumes there is no monetary value in public service. Have you ever worked in public service? Our entire economy would collapse without public sector employment. The people who process tax returns are public servants, by way of example; so are many judges, and public defenders, and the people who run the Department of Agriculture, which is responsible for our food supply. You have no idea the extent to which our economy relies on the public sector, especially regulatory bodies.

      Many of the people who work in these professional public-sector jobs are performing an essential service and getting paid pennies on the dollar compared to the private sector to do so, and things like this program are ways that we get people to keep doing these essential jobs, despite the lower salary. Let’s take, for example, my situation: only people with a law degree can be attorneys; law school is required to be an attorney; law school is expensive; and we need lawyers to do public sector work in order to keep our country functioning. So, we incentivize public sector jobs with low salaries by offering other benefits. You can apply this reasoning to any professional-level jobs within the public sector that require advanced degrees, like CPA’s, and are necessary for a fully-functioning society. For someone who pretends to know so much about the economy, you don’t seem to understand incentives.

      The skyrocketing cost of education is the reason the public service loan forgiveness program is necessary, not the other way around. That problem has existed for more than two decades now; the PSLF program wasn’t even created until 2007. PSLF was created to stop the exodus from public service into the private sector, because the cost of education has made it nigh on impossible to have a career in the public sector, and we need people in these jobs. If you’re truly concerned about this issue, you’re focusing your anger on the wrong thing. How about instead talking about tuition rising 400% in the last 35 years? That is the disease, and PSLF is merely one of many attempts to relieve its symptoms.

    • Donnie Foster

      Whatever man. I could have went into Pharmaceutical Sales right out of college. Made a boat load and paid off my loans. But, I would have been in a shitty industry with shitty people. I wanted to teach and make a difference, which is much more difficult than I could have imagined. Im also a Rothbardian libertarian who respects the free-market to the fullest. That being said, we don’t live in a Free-Market, we live in a rigged-market. So, sue me if I take advantage of Uncle Sam. He fucked us, so im getting mine. If you claim Im screwing my neighbors because of the tax burden, you’re blind to how the world works. If tax money were actually needed, we would have been broke from our foreign wars long ago. Notice our taxes really haven’t followed the amount of WAR we conduct…???

  • JR

    One other thing that might be worth adding is the complications involved for married couples where one person is trying to use this program. We have decided to file as married filing separately so that I can qualify for the program (otherwise income would be too high). However, this means we are paying higher annual taxes and not taking advantage of certain tax benefits for married couples. So for married couples where the non PSLF has a higher income, it is important to estimate as best as possible which route will save you more money: getting the PSLF or taking advantage of annual tax breaks. This is nearly impossible to calculate accurately as there are so many life variables that could change this (children, future income, future jobs, etc). In the end we decided that PSLF was worth it, but it is a gamble.

    • Jayne Ricco

      Yeah that’s an excellent point. I’m single so it’s a tad easier for me. For some people, figuring that out might require the assistance of an accountant. I’m by no means an expert on the tax code, so I have no idea what the typical benefits are when filing jointly. The other thing to remember is the interest rate on loans – it may be that the additional cost of paying off loans for x number of years makes it more cost-effective to do PSLF regardless of the tax benefits of filing taxes jointly.

  • Stephanie Martin Martiny

    Thank you for the informative article. I have been working in the public sector (schools & universities) for years- but haven’t applied yet. If I apply now, will they look at my employment and payment history?

    • Jayne Ricco

      You’ll need to gather the paperwork yourself. Gather up paperwork showing you were working in the public sector. Then gather up your repayment history. If your loans are direct loans and you were making on-time, monthly payments for the full amount of your repayment plan, while you were working in public service, and they were after 2007, they should count. Once you send in the required paperwork, they will cross-reference your employment with your loan payments and see how many payments qualify.

  • elusis

    Question: I worked full-time at a 501(c)3 uni for several years, then went through several years where I worked as an adjunct for MULTIPLE not-for-profit universities, employed more than FTE when you totaled it all up but of course not an “employee” of any one place (and thus earning even less than a FT employee for a non-profit, also sans benefits). Any idea whether I could get the government to recognize those years as counting toward forgiveness? I was very hard up but paying in full via auto-pay every month.

    • Jayne Ricco

      I believe if you were working more than 30 hours total, they would count. Are you still paying on your loans??What you could do is now apply for an income-tied repayment plan so you can lower your monthly payments (depending on whether you qualify for one of those plans). Keep in mind that this program wasn’t created until 2007, so any payments before that, even if in public service, won’t count.

      • elusis

        I have a consolidation that puts me on the 30-year repayment plan, so although I’m paying the full amount each month, I am still well over 6 figures. :-/

        I started my first full-time job in September 2007 so my timing was good for the program. Unfortunately I wound up working full time for a couple of years for an online for-profit (never again) and my current employer converted to a Benefit Corporation in February. They say they’re going to approach the DOE about getting B-corp employees included but I’m not holding my breath. But if I can get my 2 years of adjunct work that aggregated to more than full-time counted, that will put me at right around 5 years paid; incentive to keep looking for a job at another NFP uni for sure.

        • Jayne Ricco

          I would definitely contact someone from the Department of Education then. If these were federal loans (not private loans) and you’ve been paying under an approved repayment plan, those 2 years of payment should qualify.

  • TLZ

    By enrolling in those certain repayment plans are you already set up for the program?..I was told I can’t apply or enroll until those 120 payments were made?..and I’m worry is if I can’t apply until then how will I be grandfathered in if the program is removed?

    • Jayne Ricco

      It’s less about the repayment plan you’re on, and more about what kind of loans you have. Several different types of loans have income-tied repayment options. But only certain kinds of loans qualify for PSLF. The first thing you need to do is identify what kind of loans you have – are they direct loans? If so, then apply for one of the approved repayment plans (income based, income contingent, or pay as you earn). Then once you start making payments under those repayment plans, those payments should count, so long as you are working for a public service organization.

  • Lynn

    My loans are with Navient. Does this mean that I will need to move them to a Direct Loan program to qualify?

    • Jayne Ricco

      I’m assuming these were private loans and were formerly held by Sallie Mae? If they are private loans, they are not eligible to be consolidated under the Direct Loan program.

      If these are FFEL loans, it gets more complicated.

      • BJP

        I thought my Sallie Mae loans (now Navient) were public loans. Almost all my law school loans were under that program and only about I think $30k were private loans since I went to a state law school. I am smart on law but totally confused by school loans…

      • Marion Brannan

        Hi, I have Direct Loans serviced by Navient/Sallie Mae. They’re not private loans. Do I have to move them to FedLoans?

  • Rhea

    Hi! This is a really great article and something that I’ve worked on for the past year for a thesis project at SVA in New York. My thesis partner and I designed a webapp called Outloan (outloan.org) that aims to simplify the repayment process for federal student loans – a lot of it focuses on information that you’ve highlighted on public service loan forgiveness. Please check it out, we’d love your feedback. Thanks!

    • Jayne Ricco

      What an awesome website! I swear, it took me years and countless hours reading articles and being on the phone with various representatives of different companies and agencies to have the understanding necessary to maneuver the student loan landscape. I love that you’re taking one of the most stressful aspects of most people’s lives and trying to simplify it! If you ever need or want additional information, please feel free to email me! I’m happy to share the small amount of wisdom I’ve managed to gain over the years! jayne.ricco@gmail.com

  • Laura Park

    so if I have already been making loan payments for about 4 years, but have not yet consolidated, does the 10 year payment clock start once I consolidate or will all the previous payments that I have made count?

    • Jayne Ricco

      Hi Laura! That depends on two things: 1) The type of loans you have, and 2) Your repayment plan on those loans. If the loans are Direct Loans, and you’ve been making payments under a qualifying repayment plan, then your four years of payments should count, even if they weren’t consolidated – you’ll just need to gather the paperwork to show that you’ve been employed in the public sector for those four years and that you’ve been making payments, on time, under qualifying repayment plans. You can still consolidate if you want, and assuming those factors are met, you can still count those four years of payments. Consolidating will just make it easier to track since the Department of Education will be responsible for servicing your loans AND reviewing your PSLF. If you choose not to consolidate, set yourself up a record-keeping ritual, so you can keep track of everything!

      • Laura Park

        Thank you very much!! 😀

      • Evan

        Laura, do NOT take Jayne’s advice here and “consolidate if you want,” as you will NOT be able to count those four years of payments. Jayne, you’re offering up lots of good advice here, but it’s important to note that when you consolidate your loans (which is NOT necessary in order to take advantage of PSLF, as long as all of your loans are federal/direct), the 120 payments clock/requirement STARTS OVER. So if you make payments for four years and then consolidate, you will not be able to count those four years of payments toward the 120. You will have to start back at zero. Please see, under “What loans are eligible for forgiveness”:

        https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service#to-do

        “…In addition, if you made qualifying payments on a Direct Loan and then consolidate it into a Direct Consolidation Loan, you must make 120 qualifying payments on the Direct Consolidation Loan.”

        When you consolidate, you are essentially creating a “new” loan on which the 120 payments must be made. So for anyone who is mulitple years into repaying their loans, do NOT consolidate, or you will be starting over. Consolidation, again, is not a requirement; it just allows you to include FFEL/Perkins loans in your total loan forgiveness. It may be seen as “simpler” to consolidate, but it is not necessary to take advantage of PSLF.

        Sorry to raise the alarm so directly, but if folks are consolidating based off of this post, and they think their prior payments will still count, they will be in for a very bad surprise.

        • Jayne Ricco

          Ah thanks for catching that! As I mentioned in another post, I had a combination of direct loans and FFEL loans, so I had to consolidate to get all of my loans forgiven. People who have only direct loans can get those forgiven after 120 payments, assuming they’ve been on qualified repayment plans for all of their payments.Strategically, if someone has a combination of both direct and other kinds of loans not eligible for PSLF and is only a few months or even a year into payment and anticipates being in public service many years into the future, consolidating should be considered because it will allow you to get all of your loans forgiven, not just your direct loans. At least, that’s what I would do if it was me. The loss of a year or so of payments would be worth it to have that balance forgiven, especially if your non-direct loans are for large amounts (like mine were).

          • Evan

            Yes, to make FFEL and Perkins loans eligible for forgiveness, they would need to be consolidated into a Direct Consolidation Loan. So that is a decision each borrower will need to make. But I just wanted to let Laura, and others in her position, know that consolidating will take them back to “zero,” which is a VERY important consideration (once the loans are consolidated, there’s no undoing that).

            Ideally, folks would consolidate immediately upon graduation. If they are years into making payments, however, consolidation could potentially set them back.

          • Jayne Ricco

            Thanks for catching that! I consolidated immediately upon taking my position in public service thanks to my agency alerting me to the existence of the program (I didn’t even know it was a thing until they told me). I had only been making payments for a little over a year when I went from the private to the public sector, so the sacrifice of that year was worth it to me in order to know that my entire balance would be gone at the end of 10 years.

  • Timba girl

    I’m curious if you know what happens when adding additional school debt? I have a few qualifying years under this program but went back to school to obtain a master’s degree. I will be returning to the public service field after i graduate. I believe I read that if I re-consolidate my loans (thereby adding more debt), my clock under the PSFL will re-start? If so, sounds like my best bet would be to not reconcolidate and just keep my qualifying loans and loans for more recent degree separate?

    • Jayne Ricco

      That is a good question that unfortunately I don’t know 100% the answer to. I believe you are correct, though; it makes sense that the clock would re-start because by consolidating you are essentially creating a new loan and it would be difficult to parse out the amount forgiven for the loan you were paying on previously once it’s combined with your later loan. I would just keep them separate and track payments separately for each. You’ll get the first forgiven sooner, while you’re still paying on the other, then your second one will be forgiven down the line.

  • AA

    Thank you Jayne for this amazing article.
    Quick question, does working for loan servicing count as a public service. Just a curiosity that I have not looked up.

    • Jayne Ricco

      Typically, local, state, and federal government agencies count as public service, as well as most non-profits and 501(c)(3) organizations. I don’t know about your particular employer, but you can inquire with the Department of Education as to whether your organization would count. If you submit the employment certification form (linked in the article), they will review your employer information and let you know if your employer qualifies as public service for purposes of the PSLF program.

  • megcw

    Can you point me to more information about this program NOT taxing the amount that is forgiven? I have heard that this is true, but have never seen anything authoritatively written to confirm it. I would hope that the amount forgiven is not taxable, but other programs tax that amount as income. Please confirm where you’ve found this information. Thanks!

  • Evan

    Jayne, you really should amend your post, as loan consolidation is NOT a PSLF requirement. When you say, “Your loans have to be consolidated into one Federal Direct Loan, held by the Department of Education,” that is incorrect, and may lead some readers down a very bad path, whereby they have to wait much longer for PSLF.

    If and when borrowers do consolidate, the 120 payments requirement STARTS OVER. So, if someone has made payments for nine years, and they consolidate, they will have to make payments for ANOTHER TEN YEARS on that new loan before they are eligible for PSLF.

    To take advantage of PSLF, there are three requirements that must be met (this is from the PSLF site itself):

    – You must make 120 on-time, full, scheduled, monthly payments on your Direct Loans. Only payments made after October 1, 2007 qualify.

    – You must make those payments under a qualifying repayment plan.

    – When you make each of those payments, you must be working full-time at a qualifying public service organization.

    All of the information you need is here:

    https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service

    In general, this post is very helpful in terms of alerting borrowers to the existence and advantages of PSLF, and I commend you for drawing attention to this helpful tool, but as far as the technicalities of the program go, everyone should read the PSLF requirements very carefully (as posted at the link above), as there are errors/recommendations within this post (and in the comments), specifically relating to loan consolidation, that could be very detrimental to borrowers.

    Just trying to help folks avoid some heartache! Sorry to be so direct, but if someone went off and consolidated after reading this post without realizing the implications of doing so, that could set them back for years to come.

    • Jayne Ricco

      Well, I am not a loan counselor, and I would certainly expect (and hope) that anybody considering taking any action on their student loans talk to a loan counselor and do their own research regarding their personal situation before taking any action. Personal responsibility for your own finances is kind of what this site is about, after all. This is why I posted several links to information from the Department of Education about the PSLF program and encouraged people to seek additional information.

      I cannot personally edit this article because I am not a site administrator, but you’re correct – I wrote from my own experience, and as I had a combination of direct and FFEL loans, I had no choice but to consolidate. I should have said consolidation is required if you have loans other than direct loans/a combination thereof and you want your entire balance forgiven.

      • I just want to alert you to the fact that the Pay As You Earn payment option for PSLF does NOT accept a consolidated loan if ANY FFEL loans are included. I called the PSLF number and they informed me of that. So be careful and make sure to read ALL terms EVERYWHERE in the application and regarding your loan repayment plan.

      • Brad Girten

        Hi Jayne, I just wanted to clarify Jessica Colts comment below……… ” I just want to alert you to the fact that the Pay As You Earn payment
        option for PSLF does NOT accept a consolidated loan if ANY FFEL loans
        are included. I called the PSLF number and they informed me of that. So
        be careful and make sure to read ALL terms EVERYWHERE in the application
        and regarding your loan repayment plan.””………………….. I’m assuming she had a miscommunication with the “PSLF number” and what they really meant to say was FFEL loans that are NOT consolidated into a direct loan do not qualify for PSLF program under the PAY As You Earn payment option OR any other income contingent repayment plan if not consolidated into a direct loans. I plan on consolidating all my fed loans and using the REPAYE (revised pay as you earn) plan combined with PSLF. I need to make sure my FFEL loans when consolidated and combined with the REPAYE plan will not disqualify me from PSLF program if I use the REPAYE payment plan . Can you please clarify this?

  • BenevolentDictator

    Hi there! This post gives me a glimmer of hope. Question–how do we find jobs that qualify for this program? Do we simply assume that any government job qualifies? Thanks.

    • Linux Black

      Once in, you fill out an employer verification form that will ask for their EIN/FEIN (tax number), if they tell you that the organization does not apply- leave or don’t take the job. The key is to get this information before making an employment change- most government departments qualify unless it operates as a private contractor.

  • Cara

    My son is a public service employee and he was told he makes too much money to qualify for fhe forgiveness loan program. He makes 40K and they said he needs to make 20K or less. I fought and argued with them, the student loan people, for months stating that the information regArding salary was nowhere to be found on their website and 20K salary was poverty level in Massachusetts. Due to pure frustration and absolutely no help from them we moved his loan to my home equity for a better interest rate. Was I given bad information? If so, can we reinstate the loan to quality for the 10 year forgiveness program?

    • Linux Black

      Cara, yes you were given SUPER BAD information. There are no income restraints to Public Service Loan Forgiveness- thus, it appeals to new graduates to the public sector including doctors and lawyers who need to start out making more than $20K. The issue for him would be, how is he filing? He needs to start in the year he wishes to qualify for Public Service Loan Forgiveness Program- file single.

      On top of that, check all of his loans- consolidate to ensure they all qualify and fit under the same umbrella. Then go Student Loan/FedLoan and apply for full financial hardship- they will ask to see his taxes; it is here he will likely be thrown in to PAYE Pay as You Earn. Thus, making his payment based on his age, income level etc. The key is apply for some type of financial hardship.

      Once his payment is lowered, every year they will ask him to re-certify that he is struggling and not making much. His payments, under this play should be no more than may be $20 a month (if that). This method will drastically increase his overall loan balance, but if he stays in the Public Service Program 10+ years, any and the entirety of the balance will be forgiven seeing as he qualified and kept verifying his situation every year.

  • Laureen C.

    So I’m considering PSLF as an option for myself. The loans I have now are for 2009 and 2010, I believe, and I know I qualify, if I consolidate. I currently work in the public sector, and have (steadily) since 2012. I have a few questions –

    If I worked in the public sector in Sept2006-March2009 (1 arts non-profit; 1 university) … could I apply to have the 2007-2009 years count? (I’m guessing no, but it’s worth asking.)

    I’m also wondering…there are many sites that recommend that those with student loan debt split their payments so that they have 26 half-sum payments, which turn into 13/yr rather than 12/yr, which would ultimately have you hit 120 payments in a little over 9 years (rather than the full 10) — but due to the fact that the qualifying payments need to be the FULL payment, that wouldn’t work with PSLF, right?

    Further, what about extra, full-sum payments per year? I occasionally do contract work that brings in an extra 5K-10K, but only every couple of years – In 2016 I’ll have this work available again and could make quite a # of extra payments (around 20 or so, if I made the full 10K)…would those extra full-sum payments come off the 120 and thereby take several years off what I need to repay? (Essentially, is it 120 payments OR 10 years of 12 payments/year, whichever comes first? Or it must be 10 years of 12 payments/year to total 120 monthly payments, any extra payments be damned?)

    Any thoughts you can lend to these questions would be greatly appreciated…

    And, as in your brief bio statement, Jayne, I’m wondering why did we put that brain power toward Ashley Madison when it could have been put toward student loan debt? 😉 I’m with you there!

    • Linux Black

      Laureen to answer your questions:

      1. Could you apply to have the 2007-2009 years count: NO/YES. For Public Service Loan Forgiveness, it’s all apart of that 120- qualifying payment mix under Public Service Loan Forgiveness Program. It’s kind of ‘all or nothing’. Everything must align for the payments to count.

      The reason a previous employer may not likely count because you have to have meet the requirements for employment and for the payment to count. No one will get credit for simply being in Public Service, nor for not making the minimum hedged payment- under what ever terms you agreed too which is normally the standard 10-year plan unless you enrolled in an income based plan. Additionally, your loans must fall inside that 2007 post-window. In short, you had to have been in the program for those to count and the loans had to have been ‘discharged/taken/consolidated ‘ etc after 2007. Also, you need to fill in the employment verification.

      So, get in the program and see if they will count those years/payments. Anything is possible.

      2. Correct- that would not work because Public Service Loan Forgiveness will not even begin to dole out benefits until after 2017. Congress is already tinkering with the program and are reluctant to barely pay now what is/was promised. So be careful and ensure you are meeting the requirements every month. Know any attempt to circumvent aside from entering in to IBR,ICR, PAYE etc- will likely mean at the end of 9-years you may come out short.

      3. The key is 10+ years of public service and 120 qualifying on time payments. Paying more can eat away at the principal- but will just be counted as reducing the balance not any extra payments. Also, any extra money you make will mean paying more the upcoming year.

      The key to Public Service Loan Forgiveness is consolidating, enrolling in an income based plan, enroll in automatic debits and re-certify every year so everything is being counted. Additionally, in the year of the forgiveness DO NOT quit working in Public Service until after the taxes have been filed and the forgiveness has been completely processed. So, even if the last supposed payment was received in January of 2017- stay in Public Service until June of 2018- to ensure everything is considered. Also, read careful any mail stating changed to your status, payments, policy etc.

  • Jenn

    You want to keep your monthly payment as low as possible to get the most forgiven, right? Couple of points that could help married borrowers- My husband and I have to file “married filing separately” to qualify for the IBR repayment plan under the PSLF. This has some negative tax implications (can’t claim student loan interest; dependent care FSA contribution is only 2500 vs 5000; can’t deduct dependent care; both have to do standard or itemized deductions) but the savings for the PSLF far outweigh the tax issues over 10 years. Also, with some recent increases to my salary, I chose to contribute the maximum percentage of salary allowed to my 403(b). This allows for a lower AGI, which your IBR monthly payment is based on.

    • Kzilla Marie

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    • mihireng

      Hi Jenn, can you go back to marrid filling separately back to jointly? I am in the same boat since my wife has ton of student loan debt and I have higher salary

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    Is there a point where your income makes the income based repayment plans the same as the standard ten year payback plan

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    I’ve been making payments to Sallie Mae/now Navient for 3 years under an IBR plan. I’ve now been told that this payment won’t count towards PSLF, because Navient is not a participating servicer. When I inquired about direct loan consolidation, I was told again that the payments I made to SM/Navient would not count. Is this really true?! Very frustrating, because some representatives seem unsure about the response, so I’m not sure I even have the accurate information to make an informed decision.

    • Marion Brannan

      Hi, did you get an answer? I’m 4.5 years in and ready to throw up. I was told by FedLoans that Navient should transfer my loans to them, and that my payments would qualify. I was told by Navient that they couldn’t do that, and that I should consider consolidation.

    • Marion Brannan

      Additionally, I never asked Navient/Sallie Mae to take on my loan servicing…it just sort of “happened.” And if they’re a qualified servicer, like FedLoans, why would I be punished? My head is spinning. ALSO! I can’t get an answer, and if I do have to move/consolidate them, I want to know NOW so I don’t waste more time. I have a full time job…I can’t spend all my time dealing with this, but $25k says I have to.

  • Dasha K

    This article is so great – thorough and concise. I actually got answers to questions I did not even know I had, thanks to you!!
    I looked through all of the comments but did not see my specific question up so I thought I’d ask. I have 8k worth of interest on my loan – is it ok to just pay that off in one or two times so that I can start paying off the actual loan (I have a tiny bit of money saved and trying to figure out if it is worth it to spend on the interest)? Or would it impact my PSLF application if I pay extra money? I hope my question is clear. I really appreciate your help.

    • TacoKnight

      It will be of no benefit to you to pay extra if you are seeking PSLF.

      Also, it is of no benefit to pay off the interest quicker than the principal, because only student loan interest payments (up to, I think, $2,500) are tax-deductible (or a credit) at 20% (again, I think).

      So, ideally, you’d want to make no more than $2500 to interest in your total loan-paying timeline a year for as long as possible. Then when that’s all gone and there’s no more credit/deductible, you’re just paying down the principal until it’s forgiven.

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    Jaynne, thanks for the great article. I’m a few years into this process myself. I’ve been re-upping my certification every once in a while. But I’ve noticed that payments for the months in which I re-up the certification are not counted toward “Qualifying Payments Made” on my FedLoan Servicing online account (when you click “Loan Details”). Despite working in the same job for the full month, it seems as though their system reads a re-upping in certification as a gap in employment or something to negate the payment toward the PSLF. I did a careful auditing of my payments and re-upping documents to confirm this. Anyone else have this experience? Suggestions on how to tackle it?

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  • josh v

    If I’ve been making payments on my student loans for the past few years, once I consolidate through this program does my 10 year clock then start or can I get retroactive credit for the previous years I paid?

    • Anissa Moody

      I hope someone answered this question already but yes, apparently the clock restarts.

    • Meagan

      Josh, I’m in the same boat and just inquired about this very thing. Sorry, friend. Bad news. The answer is YES, the clock only starts ticking when you’re working at a qualifying employer AND have your loans consolidated into the Dept of Ed loan.

      That’s where I’m really struggling. I’ve been paying on undergrad loans since ’02 and grad school loans since ’08 and have been in qualifying employment for 4 1/2 years but my loans are not with the Dept of Ed so I’ve lost all that time.

      So if I consolidate now, it almost DOUBLES my student loan debt because you again have to extend your loan out to 20, 25 or 30 yrs depending on which repayment plan you pick and/or qualify for and thus adds a hefty amount of interest on interest the loans have now…..

      Then you add in the mix what Jayne said, Congress has already proposed nixing the program and who knows what will happen under the current administration….

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      • Kathleen

        Meagan, I fear that I’m in the same boat. With a LOT of debt. Did you decide what to do?

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  • BC

    A big question I have, is whether the balance that is forgiven includes the interest that has been added into the mix? Does anyone know if the “remaining balance” includes principal balance and interest?

    • SP

      I just looked that up on my loan service provider website and yes, it is interest plus principal. So it forgives ANY remaining debt after the 10 year period

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  • TRex

    You stated that the loan(s) cannot be in default and must be rehabilitated to get them out of default for eligibility in PSLF program. I have read that Direct Consolidation of defaulted loans is sufficient to begin PSLF. While the default remains on your credit report, the consolidation makes one new non-defaulted loan and therefore eligible for PSLF. Is this incorrect?

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  • Dickson Neo

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  • Paige Maddex

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    • Samantha

      Hi Paige, I don’t have an answer for you (sorry!) but I was hoping you could share how long it took for you to hear back from the servicer after you submitted your application/certification of employment for the PSLF Program? I haven’t heard anything since mailing out my forms and it is making me anxious! Best of luck!!

      • Paige Maddex

        Hi Samantha! I think our situations are different. My servicer was not one of the four approved public loan forgiveness servicers. Therefore I was working with 2 – the company I had consolidated with and the new company. My only advice is this: keep calling and document your conversations. Follow up and add to your notes – that way you can keep track of what info you’ve been given! Hope this helps a little. Be persistent!

  • Ann Tucker

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  • robbolt smith

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  • Sarah Maldonado

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  • faith

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  • CapeCanGal

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  • David Michael

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  • shawn erl

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  • Moucata

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  • William

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  • Abdoulhaziz Hassan

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    Abdoulhaziz Hassan

  • sarah

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  • Trudy Roering

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  • mihireng

    So what happen if I go back to school after enrolling in PSLF? Can I still add new loans into consolidated loans?

  • mihireng

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  • Dr Ethan Gavin

    Dear Sir/Madam,

    Do you need a legitimate loan from a trust-worthy, well known and approved lending company? search no further because we are here for you, no credit check, everybody gets approved. We approve loans with 3% interest rate. Please kindly visit us today for more information on how to get a legitimate loan. contact us today directly via email at Freemanfinancialloan@gmail.com

    We keep our words.

    Our clients are important to us.

  • Lian Selwood

    Barrick Financial Company is indeed a place to be if you want to get the loan you are looking for. My name is louisa Bush i am a mother of three. Things started getting hard for me after i went on a divorce and i just lost my job. I wasn’t able to pay the bills any longer non even feed my kids, so i went on seeking for loan from my bank, even online and they all proved to be difficult to acquire a loan, i was scammed multiple times by scammers who pretended to be legit loan lenders and at the end i never got the loan i wanted i ended up losing so much money and this made me to give up in searching for a lender. One afternoon my sister came to see me and so i told her all i have been through and how much i needed help then she told me about Barrick Financial Company and how she got the loan she was looking for. So i made contact with Mr Barrick and told him about my financial situation then he took me through the loan process and gave me a loan of $430,000.00 at a very low interest rate of 1.5%. Today am a proud business owner and i can take good care of my family. If you are in need of a loan contact him via: (barrickfinancialcompany@yahoo.com) Or tex +1 252 508 0064

  • Trudy Roering

    HOW I SUCCESSFULLY GOT A LOAN AFTER MUCH STRUGGLE.

    Compliment of the season everyone! My names is Trudy Roering, from Springfield, New Jersey USA, I’m a happy married woman at the moment, I have suffered a financial setback in the past months and i needed to refinance and pay my bills that were long due. I tried seeking loans from various loan firms both corporate and private but all without success, most of the banks I went to all declined my credit. But as God would favor me, i was introduced to Kendrick Investments Limited Contact Number: +1-386-202-2899 a Public limited Company with Share Capital by a friend, and I was granted a loan sum of $78,000.00USD few days ago 4th of January 2017 precisely and today my financial status is restored and my business has been stabilized Thanks Lisa for introducing me to Kendrick Investments Limited, and to you Mr Christopher Kendrick for helping me. My advice to anyone out there in need of a loan is to quickly contact him on email: kendrickinvestmentslimited@outlook.com, he is a good man and I pray to God to richly bless him for helping me stabilize my business.Email him via:kendrickinvestmentslimited@outlook.com

  • Peter Brown

    Good day,
    Are you in need of urgent loan…Do you want to
    clear your debt, expansion of business,r personal
    loan” you can contact us for your fast and
    reliable loan at a low interest rate of 2%, and
    affordable repayment plan with good credit
    conditions email : naomiloancompany@gmail.com

  • Lucy

    This is a great article. It answered a lot of my questions. I am considering going back to school and am wondering how that will work for the program. If I take out new loans, will the clock re-start? Or will it just on those new loans? Am I better off just scrimping and paying cash for the newer classes?

  • Hamid Faruk

    Have you been asking for financial help from private firms? Do you need loan to start or expand a business? Do you need the counsel a private lender? This is a private company that offers loan at 2% affordable for everyone. Contact us for your loan today at email: farukfinancial@gmail.com for more information

  • scott theodora

    Pozdrav, ja sam gospođa Scott Theodora privatni zajam zajmodavac koji posuđuje priliku života. Trebate li kredit jasno svoje dugove odmah ili vam je potreban kredit za poboljšanje vašeg reklamu? Jeste li ikad bili odbijen od strane banke i druge agencije koje financijski? Trebate li kredit ili lien zalog ujedinjenje? Pretraživanje opet jer mi smo tu za sve ste probleme financijski u prošlosti. Mi posuditi uštede pojedincima kojima je potrebna pomoć financijski, koji imaju loše kreditne ili je potrebna novca za platiti račune, da ulagati u trgovini na razini od 2%. Idem koristiti ovaj medij obavijestiti vas da smo pružiti pomoć koje mogu biti pouzdana i korisniku i da će biti spremni da vam ponuditi kredit. Dakle, obratite nam se danas putem e-maila na: (theodoraloanfirm@gmail.com)

  • Shaw Mark

    Do you need private or business loans for various purposes? If yes; shaw.m81@yahoo.com

  • Roger’s Ken

    Do You Need An Urgent Loan Email: rogerskenservices@gmail.com forward Details: Name: Country: Sex: Phone Number: Amount Needed: Duration:

  • SANDERS FINANCIAL HOME

    SANDERS FINANCIAL HOME

    Email: sandersfinancialhome@yahoo.com

    Fax: 0864161947 TEL: +27638178245 +27738329482

    Do you need a Loan ? Sanders Financial Home, Offers long term investment loan (Maximum of 20 years period ) at the rate of 5% interest rate for small and big time projects/businesses, We offer loans ranging from $5,000 (Five Thousand Dollar’s) to $5,000.000 (Five Million Dollar’s) With one year defer grace period for Re-payment .

    We also offer personal and business loans, to individuals, companies, financing of Governmental project with public and private sectors in a broad range of areas including Real Estate, Energy, Agriculture, Oil and Gas, Construction.

    We’ve developed a lending program that makes it easy for us to meetup with our clients needs. working closely with advisors across the world, we have been offering investment loans for more than 10 years and for project assistance and execution. We also provide quick and easy short term small loans in any viable projects that requires funding, On review of your project plan. We offer high approval rates.

    Blacklisted / Itc /debt review are welcome to apply Confidential and secure on-line service Fortnightly and weekly earners can apply

    We can assist Self Employed and Botswana’s as well

    Interested Applicants are advised to contact us via our Email above for immediate processing of your Loan .

    Warmest Regards,

    Mr Smith Branden Sylverster

  • Stevie

    Do you need loans for project, investment, personal loans, business loans, home loans, student loans, consolidation loans and loans for various project? Do you need loan to start up a small, medium or large scale business? Do you need loan to build a house or car loan? Do you need loan to purchase equipment machinery for work? Daily Loan investment is the answer to all your problems, we give out loans at 3% interest rate and our transaction is fast, safe and convenient and 100% guaranteed.for those who wish to get a loan from our company should contact us right now via mail: ritaloanlending@gmail.com

  • MARY ANN

    HOW I WAS ABLE TO GET A CONSOLIDATION LOAN OF 250000 FROM LM LOANS INVESTMENT COMPANY.. My life was almost at the edge of collapsing when i found them on website They came to my aid, after submitting the necessary documentation, i was approved and they paid me same day. I want to testify to the general public how good and God sent this company was to my family They offer all kinds of loans, Consolidation Loans, Personal Loans,Home Loans, Business Loans, Pay day Cash Loan This Loan company is legitimate as i decide to testify about them to avoid my follow citizen been declined from other loan lenders. contact them via email LMLOANSINVESTMENT@GMAIL.COM

    Contact Details: LmLoansinvestment@gmail.com

    PLEASE DO SHARE IF LED T0

  • MARY ANN

    HOW I WAS ABLE TO GET A CONSOLIDATION LOAN OF 250000 FROM LM LOANS INVESTMENT COMPANY.. My life was almost at the edge of collapsing when i found them on website They came to my aid, after submitting the necessary documentation, i was approved and they paid me same day. I want to testify to the general public how good and God sent this company was to my family They offer all kinds of loans, Consolidation Loans, Personal Loans,Home Loans, Business Loans, Pay day Cash Loan This Loan company is legitimate as i decide to testify about them to avoid my follow citizen been declined from other loan lenders. contact them via email LMLOANSINVESTMENT@GMAIL.COM

    Contact Details: LmLoansinvestment@gmail.com

    PLEASE DO SHARE IF LED T0….

  • Flourish Finance Firm

    Flourish finance firm give out loan to both individuals and organizations at interest rate of 2% world wide. Get back to me for further details if interested through this mail box: fffirm@hotmail.com

  • Biplav Kumar

    My name is Isla Harry. I want to share how I got free $30,000 easily. Few days ago while I was watching a video here on YouTube, I saw a comment of someone stating how she got free money via Western Union Hack. I wanted to give it a try because I was not having enough money to pay my bills and do what I needed to do but was a bit skeptical. After visiting the site she provided and saw comments by other people of how they got money, I decided to try it, I dived in for $250 to get $3,000 because I needed money. To my greatest surprise, Within 1 hour of sending money for $250 to the hackers, I got my MTCN for $3,000, I was shocked so I did an online tracking and the money was there, so today, I went to the bank and I was pain $3,000 in cash! I am still amazed. Thanks to guaranteed hackers. Contact them via wuaids4you@gmail.com or visit their website http://wuaids4you.wordpress.com

  • JANE

    HELLO FRIENDS ,MY NAME IS JANE AND I WANT TO TESTIFY ON HOW I WAS ABLE TO GET A CONSOLIDATION LOAN OF 250000 FROM LMLOANS INVESTMENT. My family and i have being passing through financial difficulties for a long time now,One day as I was browsing through the Internet looking frustrated with my life almost collapsing ,I came across a message from a lady on how she got her loan from LMLoans Investment,so I decided to contact them and then explained my problems to them by E-mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice by contacting them. I filled the Loan Application form and proceeded with all that was requested of me and to my surprise I was paid on that same day. They were the Savior God sent to rescue my family and at first i thought it was not going to be possible because of my past experience but now i and my family are back on our feet all thanks to LMLoans Investment, i will advise anyone and everyone who is in genuine need of a loan to contact them for they offer all kinds of loans and any amount.

    Contact Details: LmLoansinvestment@gmail.com

    PLEASE DO RE-SHARE OR RE-POST TO SAVE SOMEONE

  • mrs treasure

    NEED A HACKED ATM CARD WITH PIN?
    We sell physical loaded ATM cards . It is a croned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/MasterCard. Therefore it works at any ATM Machine that accept Visa/masterCard
    Worldwide. CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS? Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds is exhausted.
    DO I NEED TO ORDER NEW CARD EVERY TIME WHEN THE FUNDS HAS FINISHED? No, if you have already ordered our card, there is no need to keep ordering new cards, Just contact us for a reload. We shall easily reload the ATM card already in your possession. contact us on}} atmmachine20100@gmail.com

  • wright dave

    Good day Dear Loan Seekers,

    Are you in need of an urgent loan to pay up your debts? open your own business? Buy a car or home? I am WRIGHT DAVE, A legitimate and a reliable private lender. I offer all kinds of Loan packages. I give loans under clear and understandable conditions at an interest rate of 3%. From $ 5,000.00 and above USD, Euro and pounds only. I provide business loans, personal loans, student loans, auto loans, New year loans, bank loans and loans to pay bills. If you are a serious person and you are interested in my services please hurry now and get your loan via this
    email: (ultimateloanfirm200@gmail.com)

  • mico william

    Get the best celebration ever with our Blank ATM card and be a Millionaire, Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for, We give out a Blank ATM Card. Do you want to live a good life thought its illegal, its the easiest way to be a millionaire. Get your card today and live that luxury life you always dream to live and to get this card, contact us via email:(Atmcardcashmachine@gmail.com) TO GET YOURS NOW…….

  • mico william

    GREAT CARDS HERE: Get THE 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: Atmcardcashmachine@gmail.com and get your card today and live that luxury life you every dream to live.

  • Mrs Bako

    This is to Notify you that Mrs Bako is Currently offering Loan to the needy at a low rate 0f 2% and with no credit check, we offer Personal loan, debt consolidation loan, venture capital, business loan,education loan, home loan,or loan for any reason if you are interested contact via homeofhopes69@usa.com for more info.provide us this info below ok.Name…….Country…………State…………Loan Amount Needed…………duration of loan………….Phone Number………….

  • Mr John

    Attention Please:Are you worry about you debts Are You Financially down ? Do you need a loan to pay off your bills or buy a home Or Increase your Business ? Apply for a loan now and get approved. We offer all kinds of loan at a reduced interest rate of 3%. Our loan program is very direct and flexible as Your Satisfaction and Financial Success is our Aim. IF INTERESTED, for more info do contact us now via Email: ( johnlambservicelimited@gmail.com)

  • donna

    I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

  • Micheal Bradley

    **AVOID SCAM, NO UPFRONT FESS INVOLVED**

    Hello everyone,

    Are you looking for a business loan, personal loans, mortgage loans, auto loans, student loans, debt consolidation loans, unsecured loans, venture capital, etc … Or have you been declined a loan by your bank or financial institution for one or more reasons?

    Here you will get solution to that problem as long as you are found eligible for the loan and trust worthy.

    We offer loans from a minimum of $5,000 to a maximum of $10,000,000.00,we offer loans to companies and individuals at a low and affordable interest rate of 2%. So if you are interested in a quick and easy loan.

    Contact us today:

    EMAIL 1: Michealbradloaninvestment@consultant.com

    EMAIL 2: Michealbradloaninvestment@aol.com

    Regards,

    Mr. Micheal

  • John white

    Hello,

    Do you need a loan? Are you a business man or woman and do you need a loan to boost your business ?? Do you need capital to start a business? Whatever your credit problems may be, we are here to help you, as we offer loans to individuals and companies both at low and affordable interest rates.

    Contact us today to get your credit today financelimited011@gmail.com

    Regard John White

  • Izocam Williams

    Hello, Are you looking for a business loan, personal loan, home loan, car loan, student loan, debt consolidation loans, unsecured loans,venture capital, etc. .. Or were you refused a loan by a bank or a financial institution.You are in the right place for your loan solutions! I am a private lender, I give out loans to companies and individuals at a low and affordable interest rate of 3% Interest. For more info please contact us via Email on: creditsolution955@gmail.com

  • Sparta of Phoenix AZ

    A qualifying payment can be as much as 15 days overdue per said website…

    https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service#qualifying-payment

    What is a qualifying monthly payment?
    A qualifying monthly payment is a payment that you make

    after October 1, 2007;
    under a qualifying repayment plan;
    for the full amount due as shown on your bill;
    no later than 15 days after your due date; and
    while you are employed full-time by a qualifying employer.

    It does not HAVE to be on the due date but you don’t want to get into the habit of pushing the due date as in the end, makes budgeting harder…

  • Hogan Mary Ann

    HOW I GOT MY LOAN FROM NEIL HOWARD LOAN COMPANY LTD.

    My name is HOGAN MARY ANN. I am a U.S citizen. I want to use this medium to express my overwhelming happiness to everyone of the wonderful opportunity that the Neil Howard Loan Company has done in my life. I have tried so many times to apply for loan but was’t successful instead i get scammed. The total money that i was scammed of was $50,000, i was actually looking for a loan of $150,000 On this faithful day when i came across this company called NEIL HOWARD LOAN COMPANY where i was told that i
    will receive the loan from. They took me through the loan processes with an interest rate of 3% and they granted me a loan of of $150,000 to start up my business and solve other domestic issues. At first i thought it was one of the numerous internet scam then i decided to give it a trial on the 28th of March 2017 but to my greatest surprise, on the 30th of March 2017, i received an alert from my bank that the sum of $150,000 has been deposited into my account. It was like a dream come true but i thank God that at last i was able to get my loan from NEIL HOWARD LOAN COMPANY. Everything there works like a clock. Check it out by contacting Mr NEIL HOWARD on this
    Phone Number:+(1) 424 271 8577.
    email: neilhowardloanltd@hotmail.com

  • atm hackers

    Apply for an urgent loan now and we guarantee you 100%. Note we
    offer loans at 3% and we give out minimum and maximum loan of
    1,000 to 10,000,000 Interested applicant should apply by get
    back to us via email klausfinanccialllc@yahoo.com
    for further procedures and more info.

  • Michael Bloomberg

    I am MR. HARRY certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because I will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their upstart. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. I want you to understand the fact that I MR HARRY is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans, car loans, hotel loans, and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don’t you try. MR HARRY Loan home and be free from debts any interested.

    Contact us via mrharryscottloancompany@gmail.com

  • Lily @ TheFrugalGene.com

    Immensely helpful. I’ll reference this as part of my research. I don’t think pslf will be around for much longer…

  • Immanuel Clinton

    Hi,

    I am Mr. Immanuel Clinton, by name and I am the owner ”Clinton Fast loan Firm”.

    In honor of my great works, I like people to know that I do all kinds of loan you could think of at low interest rate of 3%.

    Hurry now and urgently apply for the loan so you can get the loan executed swiftly.

    Contact us via our email: clintonimmanuel9@gmail.com or WhatsApp, +2348073078183

    Loan application today and get faster as you want.
    Mr. Immanuel Clinton

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