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Public Service Loan Forgiveness: The Deadline to Apply Is Today

The deadline is fast approaching for Martin Alumni if you are a teacher, first responder, firefighter, government worker and other public servants to file applications for the limited Public Service Loan Forgiveness waiver.

Eligible public service officials who have worked in a qualifying position for 10 years or more can receive full loan cancellation through the PSLF. A temporary waiver with expanded benefits was introduced in October 2021 and expanded upon in April 2022, making forgiveness more accessible for millions of borrowers. The waiver includes more loan and repayment plan types that were previously excluded from the PSLF program. Borrowers with loans in forbearance can also apply.

If you haven't started on your PSLF limited waiver application yet, the steps you need to take right now aren't as time-consuming as you might think. And, you don't have to fully complete the process to make the deadline. Instead, you must complete the application through the PSLF Help Tool portal by the end of the month. If you hold FFEL, Perkins or other qualifying federal loan types, you'll need to apply to consolidate them into Direct Loans and fill out the PSLF application before 8:59 p.m. PT (11:59 p.m. ET) on Oct. 31.

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