The Public Service Loan Forgiveness program forgives the remaining balance of a qualifying borrower’s Direct Loans after they have made 120 qualifying monthly payments under a qualifying repayment plan when they work in certain public service positions. Some borrowers were denied for PSLF because they haven’t been making all the required payment on their loan under a plan that qualifies for PSLF.
The Consolidated Appropriations Act, of 2018 included a provision to expand Public Service Loan Forgiveness temporarily to Direct Loan borrowers who didn’t qualify because they made at least some of their loan payments under a nonqualifying repayment plan during the last ten years of repayment. Under the TEPSLF, the Department will reconsider PSLF eligibility for borrowers using an expanded set of conditions and repayment plans. The U.S. Department of Education is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) opportunity.
Additional conditions have been added under the TEPSLF to include borrowers who didn’t qualify for PSLF because they were enrolled in the wrong payment plan. The Department will reconsider a borrower’s eligibility for PSLF using an expanded list of qualifying repayment plans. Some payments that don’t count toward loan forgiveness under PSLF may count toward forgiveness under TEPSLF. The additional qualifying repayment plans include the Graduated Repayment Plan, Extended Repayment Plan, Consolidation Standard Repayment Plan, and Consolidation Graduated Repayment Plan. These plans do not usually qualify for PSLF.
According to an announcement from federal student aid, the TEPSLF opportunity is temporary, has limited funding, and must be provided on a first come, first served basis. Once all the funds are used, the TEPSLF opportunity will end. Borrowers who believe they qualify for the TEPSLF opportunity are encouraged to visit the Department’s information page at StudentAid.gov/tepslf, follow the instructions for preparing a TEPSLF request email, and send their TEPSLF request email to the Department as soon as possible.
Borrowers can find eligibility and process information on StudentAid.gov/tepslf. This page will be updated as needed until the TEPSLF opportunity ends. Borrowers should contact FedLoan Servicing at 1-855-265-4038 from 8 a.m.-9 p.m. Eastern time, Monday through Friday.