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At a high level, there are only three things you need to do to ensure you successfully navigate PSLF.

  1. make 120 eligible payments
  2. on eligible loans
  3. while working full time for an eligible employer

It’s key to remember that all three of these things have to happen at the same time. For example, if you are making an eligible payment on an eligible loan but aren’t working for an eligible employer that payment will not count and can never count. Or if you are working for an eligible employment and making eligible payments, but on an ineligible loan, those payments also will not count.

The good news is that if you are taking this module, you are almost certainly working for an eligible employer!