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Public Service Loan Forgiveness Update

By Marla P. McCorkle, 7th Circuit Governor, YLD Board of Governors


These Four letters are infamous to government attorneys and employees. There is no doubt that PSLF is an issue ever-present in the minds of many, especially during the COVID. There have been several changes to the program during the Pandemic.

If you are looking for information about these changes, the Young Lawyers Division offers a one-hour CLE about PSLF on its website.

Key Points: PSLF Summary of Changes

For a limited time, you may receive credit for past periods of repayment on loans that would otherwise not qualify for PSLF.

  • If you have FFEL, Perkins, or other federal student loans, you'll need to consolidate your loans into a Direct Consolidation Loan to qualify for PSLF both in general and under the waiver. Before consolidating, make sure to check to see if you work for a qualifying employer.

  • Past periods of repayment will now count regardless of whether you made a payment, made that payment on time, for the full amount due, on a qualifying repayment plan.

  • Periods of deferment or forbearance, and periods of default, continue to not qualify.

Note: The qualifying employment requirement has not changed.

For the most up-to-date information, visit the Federal Student Aid's Public Service Loan Forgiveness online.

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