Temporary Extension to Public Service Loan Forgiveness (TEPSLF)

If you were making payments under plan ineligible for PSLF you may still qualify for forgiveness. Congress has created a temporary program to allow borrowers with eligible employment and eligible loans to utilize payments made under:

• the extended repayment plan
• the graduated repayment plan or
• a standard consolidation plan (one that is longer than 10 years)

Who qualifies/doesn’t qualify for the “fix”?

Who Qualifies

• Borrowers who made payments under a graduated, extended or standard consolidation plan
• On Direct Loans
• While working for a PSLF eligible employer

Who Does Not Qualify

• Borrowers who consolidated after making eligible payments cannot receive credit for these payments
• Borrowers who made payments under a Perkins or Federal Family Education Loan program loan
• Borrowers who made payments while in default, or made payments late
• Borrowers with private student loans