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The Following Loans Are Not eligible for PSLF
(and cannot be made eligible)

Great news! If you are taking this module, you are almost certainly working for an eligible employer. There are a few things you still need to know however to ensure you stay on track for PSLF.

It doesn’t matter what you do, it matters who issues your paycheck.

So it’s not just teachers at a public school who potentially qualify for PSLF, but the administrators, cafeteria workers and anyone else working at that school. On the flip side, if you have a government job, but are actually being paid by a private contractor, you won’t be able to use that employment for PSLF purposes, regardless of what your job is.

  • You must be full time as defined by your employer or
  • You must be working at least 30 hours per week if you are employed part time for multiple eligible employers.
  • For example, if your employer considers 40 hours to be full time, but you are only working 35 hours, this will not count for PSLF purposes. However, if in addition to those 35 hours, you are also working two hours for another eligible employer, you would be considered having engaged in eligible employment for PSLF purposes as you would be working at least 30 hours per week for multiple eligible employers
  • Time spent in religious instruction, proselytizing or worship services counts against your full-time hours.
  • This means that if your employer considers 40 hours per week to be full time, and you spend 5 hours per week teaching religious instruction, you’d have to work 45 hours per week to satisfy the full-time requirement.
  • To verify your employer is eligible, submit the employment certification (ECF) form.
    • As we mentioned earlier, if you are taking this module chances are excellent that you are working for an eligible employer. We do still recommend however that you submit what’s called the employment certification form (ECF) annually to ensure you are on track. We will talk about this more in the application section of this module.

See the freestudentloanadvice.org forms page for an ECF form and to learn more about eligible employers.