Check how your employer, loans, repayment plan, and payment history line up with Public Service Loan Forgiveness (PSLF). PSLF rules are in flux, and a Department of Education rule change takes effect July 1, 2026 — this is an educational tool, not a determination of eligibility.
PSLF Eligibility Checker
Check how your employer, loans, repayment plan, and payment history line up with Public Service Loan Forgiveness (PSLF). PSLF rules are in flux, and a Department of Education rule change takes effect July 1, 2026 — this is an educational tool, not a determination of eligibility.
Takes about 2 minutes · 4 questions
Methodology
How This Tool Works
This checker scores three core Public Service Loan Forgiveness requirements: qualifying employment (government or a 501(c)(3) nonprofit), having Direct Loans, and being on an income-driven repayment plan (studentaid.gov). Each adds one point. The payment-count question does not add points but reminds you that PSLF requires 120 qualifying monthly payments, roughly 10 years. PSLF eligibility is in flux: following Executive Order 14235 (Mar. 7, 2025), a Department of Education rule takes effect July 1, 2026 and revises which employers qualify by excluding those found to have a substantial illegal purpose, counting only conduct on or after July 1, 2026 (ed.gov). Because the rules are changing, this tool is educational only and no outcome is guaranteed. People's Justice is not a law firm and does not provide legal advice; we connect you with licensed attorneys, and we are not a government agency.