• Closed
• Falsely certified your ability to benefit from education
• Signed your name without your authorization
• Failed to pay a tuition refund

• You can't work for pay when the work involves significant physical or mental activities.
• You are a veteran who has been determined to be unemployable due to a service-connected condition.

• You are employed by a qualifying employer (or serve in a full-time AmeriCorps or Peace Corps position)
• You work full-time for that employer for a minimum average of 30 hours per week

NOTE: You can work part-time at more than one qualifying job at the same time, provided you work an average of at least 30 hours a week with these employers.

• You have Direct Loans (or consolidate other federal student loans into a Direct Consolidation Loan)
• You make 120 qualifying payments under a qualifying repayment plan or other eligible period after October 1, 2007. Payments made under a qualifying repayment plan includes:
• Ten-year Standard repayment plan
• Income-Driven Repayment plans
• Any other plan (except the alternative repayment plan) where the monthly payment is equal to, or greater than the payment on a 10-year standard repayment plan
• Other eligible periods that will count toward PSLF include months where the customer receives one of the following deferments or forbearances:
• Cancer Treatment Deferment
• Economic Hardship Deferment
• Military Service Deferment
• Post Active-Duty Student Deferment
• AmeriCorps Forbearance
• National Guard Duty Forbearance
• U.S. Department of Defense Student Loan Repayment Program Forbearance
• Administrative Forbearance and Mandatory Administrative Forbearance

Additional eligibility requirements can be found on StudentAid.gov/PSLF, including information about the PSLF program, how to check if your employer qualifies, and to learn about any necessary steps you need to take.

On October 25, 2022, ED confirmed periods qualifying under the IDR waiver opportunity will count toward PSLF, provided the borrower certifies qualifying employment during those periods.

Commercially held Federal Family Education Loan Program (FFELP) loans may qualify, but only if you consolidate them into a Direct Consolidation Loan by the end of 2023.

For more information, please visit StudentAid.gov.

• You, the borrower, die, then your loans may be discharged.
• You are a parent PLUS loan borrower, then your loan may be discharged if you die, or if the student on whose behalf you obtain the loan dies.