Active duty veterans can take advantage of the Civil Service Loan Forgiveness Program


Veterans and active duty members can take a step closer to student loan forgiveness through the Civil Service Loan Forgiveness Program.

You must submit your application by October 31, 2022.

By canceling loans after 10 years of public service, the PSLF eases the burden of student debt on public servants, allows many borrowers to keep their jobs and encourages others to work in areas where it is badly needed.

Active Duty Months Count

The Department of Education will allow months spent on active duty to count towards the PSLF, even if the service member’s loans were in deferment or forbearance rather than in active repayment. This change addresses a major challenge service members face in accessing PSLF.

Active duty service members can benefit from student loan deferrals and forbearances that help them through periods when service inhibits their ability to make payments. But too often the military discovers that those same adjournments or abstentions granted while serving our country did not count for the PSLF.

This change ensures that the military will not have to focus on their student loans while serving our country. Federal Student Aid will develop and implement a process to address student loan deferral and forbearance periods for active duty members and will notify affected borrowers to let them know what they need to do to take advantage of this change.

Giving Federal Employees Credit

The Department of Education will automatically begin crediting federal employees for the PSLF by matching Department of Education data with information held by other federal agencies on service members and the workforce. federal work. These matches will help the Department of Education identify other people who may also be eligible but may not qualify automatically, such as those with FFEL loans.

Eligible employers

Any U.S. federal, state, local, or tribal government agency is considered a government employer for the PSLF program. This includes employers such as the U.S. military, public elementary and secondary schools, public colleges and universities, public child and family service agencies, and special government districts (including entities such as public transport, water, bridge district or housing authorities).

A government contractor is not considered a government employer.

You can visit the Public Service Loan Forgiveness (PSLF) Support Toolwhich will help you determine if an employer is considered an eligible employer under the PSLF program.

Income doesn’t matter

There is no income requirement to benefit from the PSLF. However, since your required monthly payment amount under most eligible PSLF repayment plans is based on your income, your income level during your employment in the public service may be a factor in determining whether you have a loan balance remaining to be canceled after making 120 qualifying payments.

Do you know you have an honorable service?

If you know you have an eligible job that you have not yet certified with the Department of Education, you can certify that job now using the PSLF Help Tool at

You haven’t applied yet?

You will need to submit a PSLF form so that the Ministry of Education can review your loans under the simplified rules and determine if your current or past employers are eligible for the PSLF. You can submit this form through the PSLF help tool at As the Department of Education expects an influx of applicants due to this announcement, you may experience delays in processing your application.

Learn more

Fact Sheet: Revision of the Public Service Loan Relief Program (PSLF) | US Department of Education

Public Service Loan Cancellation FAQs | Federal Student Aid

US Department of Education Announces Transformational Changes to Public Service Loan Forgiveness Program That Will Bring Over 550,000 Public Service Workers Closer to Loan Forgiveness | US Department of Education


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