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Money · Student loan forgiveness
Student Loan Forgiveness Eligibility Check
Which federal forgiveness programmes apply to your loan type, employer, and payment history? Many eligible borrowers have never applied.
Instant result
Plain-English why
Copyable takeaway
What this means
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Formula used
Checks loan type, employer classification, repayment plan, and qualifying payment count against PSLF (120 payments, qualifying employer, IDR plan), IDR forgiveness (240 payments), Closed School Discharge, and Borrower Defense criteria.
Worked example
A nurse with Direct Loans working for a non-profit hospital, on an income-driven plan with 87 qualifying payments, is on track for PSLF — 33 more payments needed.
Common questions
What is PSLF?
Public Service Loan Forgiveness cancels remaining Direct Loan balances after 120 qualifying payments while working full-time for a qualifying government or non-profit employer on an income-driven repayment plan.
Do FFEL loans qualify for PSLF?
Not directly — but FFEL loans can be consolidated into a Direct Consolidation Loan, which does qualify. Consolidation resets the payment count, so timing matters.
Plain-English summary
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