Public Service Loan Forgiveness

PSLF offers complete loan forgiveness after 120 qualifying payments for borrowers working in public service. We help federal employees, nonprofit workers, and educators maximize this benefit.

• Federal employees, nonprofit workers, and educators eligible
• Employment certification, payment counts, and servicer transfers
• Projected forgiveness amount and optimal repayment plan analysis

Qualifying for PSLF requires meeting three criteria simultaneously for 120 monthly payments: you must have Direct Loans, be on a qualifying repayment plan (any IDR plan or the standard 10-year plan), and work full-time (30+ hours per week) for a qualifying employer. Qualifying employers include federal, state, and local government agencies, 501(c)(3) nonprofit organizations, and certain other nonprofits that provide qualifying public services. Teachers, nurses, firefighters, police officers, military members, and social workers are among the millions of public servants who may be eligible. However, historically over 98% of PSLF applications were rejected — most due to preventable errors in loan type, repayment plan, or employer certification.

Hope Credit helps you avoid these pitfalls from day one. We verify your employer eligibility, ensure your loans are the right type (consolidating if necessary), enroll you in the optimal IDR plan to minimize payments while maximizing forgiveness, and file your Employment Certification Form (ECF) to create a documented record of qualifying payments. For clients who've been paying for years without proper documentation, we work to recover as many qualifying months as possible. Our team tracks your progress toward the 120-payment threshold and handles all communication with your servicer so nothing falls through the cracks.