{"id":107,"date":"2026-07-06T12:41:04","date_gmt":"2026-07-06T16:41:04","guid":{"rendered":"https:\/\/cms.web.umflint.edu\/human-resources\/?page_id=107"},"modified":"2026-07-07T15:20:00","modified_gmt":"2026-07-07T19:20:00","slug":"public-service-loan-forgiveness","status":"publish","type":"page","link":"https:\/\/www.umflint.edu\/human-resources\/public-service-loan-forgiveness\/","title":{"rendered":"Public Service Loan Forgiveness"},"content":{"rendered":"\n<div class=\"wp-block-cover fb-cover-text-box wp-duotone-black-and-white\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;min-height:100%;aspect-ratio:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background\" alt=\"\" src=\"https:\/\/www.umflint.edu\/human-resources\/wp-content\/themes\/flintblock\/assets\/images\/sidewalk-art.jpg\" style=\"object-position:50% 95%\" data-object-fit=\"cover\" data-object-position=\"50% 95%\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-90 has-background-dim wp-block-cover__gradient-background has-background-gradient has-blue-gradient-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-15d3db16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--70);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--70);padding-left:var(--wp--preset--spacing--70)\">\n<h1 class=\"wp-block-heading has-brand-white-color has-text-color has-link-color has-xx-large-font-size wp-elements-9abe4538d1f7dc163a2f12a65408ee3e\">Public Service Loan Forgiveness<\/h1>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-0e47273b wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><nav class=\"is-responsive is-vertical is-style-sidebar is-style-sidebar--1 wp-block-navigation is-layout-flex wp-container-core-navigation-is-layout-bd946717 wp-block-navigation-is-layout-flex\" aria-label=\"Sidebar Navigation\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Menu\"}'><button aria-haspopup=\"dialog\" aria-label=\"Open menu\" class=\"wp-block-navigation__responsive-container-open\" 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data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Verification of Employment submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/human-resources\/public-service-loan-forgiveness\/\"><span class=\"wp-block-navigation-item__label\">Public Service Loan Forgiveness<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/human-resources\/department-of-public-safety-oversight-committee\/\"><span class=\"wp-block-navigation-item__label\">Department of Public Safety Oversight Committee<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/human-resources\/employee-orientation\/ethics-integrity-compliance\/\"><span class=\"wp-block-navigation-item__label\">Ethics, Integrity &amp; Compliance<\/span><\/a><\/li><li data-wp-context=\"{ &quot;submenuOpenedBy&quot;: { &quot;click&quot;: false, &quot;hover&quot;: false, &quot;focus&quot;: false }, &quot;type&quot;: &quot;submenu&quot;, &quot;modal&quot;: null, &quot;previousFocus&quot;: null }\" data-wp-interactive=\"core\/navigation\" data-wp-on--focusout=\"actions.handleMenuFocusout\" data-wp-on--keydown=\"actions.handleMenuKeydown\" data-wp-on--pointerenter=\"actions.openMenuOnHover\" data-wp-on--pointerleave=\"actions.closeMenuOnHover\" data-wp-watch=\"callbacks.initMenu\" tabindex=\"-1\" class=\"wp-block-navigation-item has-child open-on-hover-click wp-block-navigation-submenu\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.umflint.edu\/human-resources\/contact-us\/\"><span class=\"wp-block-navigation-item__label\">Contact Us<\/span><\/a><button data-wp-bind--aria-expanded=\"state.isMenuOpen\" data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Contact Us submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/human-resources\/office-contacts\/\"><span class=\"wp-block-navigation-item__label\">Office Contacts<\/span><\/a><\/li><\/ul><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n\n\n<p class=\"wp-block-paragraph\">If you have federal student loan debt, you could be eligible to have your loan balances forgiven through the\u00a0<a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\/\" target=\"_blank\" rel=\"noreferrer noopener\">Public Service Loan Forgiveness (PSLF)<\/a>\u00a0program as a U-M employee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Important:<\/strong>&nbsp;The deadline for Temporary Expanded Public Service Loan Forgiveness rules is 10\/31\/2022. In order to facilitate compliance with the deadline, we\u2019re asking that all employees who wish to qualify under the TEPSLF rules submit their request no later than 10\/07\/2022. This deadline is not for all PSLF program participants, only those who may be eligible under the temporary expanded rules. Because of the influx of PSLF requests we\u2019ve received as a result of this deadline, it may take us up to 7-8 business days to complete requests.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-brand-blue-color has-alpha-channel-opacity has-brand-blue-background-color has-background is-style-wide\" \/>\n\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">What is PSLF?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the PSLF program, you may qualify for federal loan forgiveness after you have made 120 qualifying payments while working full-time for a public service employer (10 years) and making payments through 10-year standard repayment or one of the federal income-driven repayment plans. Only federal Direct Loans qualify for the program, although other federal student loan types may also become eligible if you consolidate them into a Direct Consolidation Loan. (If you are thinking about consolidation, talk to your loan servicer about the implications for your loans.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parents who borrowed a Federal Direct PLUS Loan on behalf of a dependent undergraduate child may also qualify for the program if the parent borrower is working in a public service job and repaying through an eligible repayment plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">Am I Eligible?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">According to the&nbsp;<a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">Office of Federal Student Aid<\/a>, the eligibility requirements for loan forgiveness under the PSLF program are as follows.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must not be in default on the loans for which you are requesting forgiveness.<\/li>\n\n\n\n<li>You must be employed full-time by a public service organization\n<ul class=\"wp-block-list\">\n<li>when making each of the required 120 qualifying loan payments (certain repayment conditions apply);<\/li>\n\n\n\n<li>at the time you apply for loan forgiveness; and<\/li>\n\n\n\n<li>at the time the remaining balance on your eligible loans is forgiven<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">Completing the Employment Certification Form<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As an eligible borrower, you must also periodically complete and submit the&nbsp;<a href=\"https:\/\/studentaid.gov\/sites\/default\/files\/public-service-application-for-forgiveness.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">PSLF Employment Certification Form<\/a>&nbsp;to the U.S. Department of Education. The U-M Shared Services Center can complete the employer portion of the ECF. Once you have completed, signed and dated page 1 of the ECF please complete the eForm on the&nbsp;<a href=\"https:\/\/ssc.umich.edu\/human-resources\/employment-recruitment\/\" target=\"_blank\" rel=\"noreferrer noopener\">SSC website<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/teamdynamix.umich.edu\/TDClient\/40\/Portal\/Requests\/ServiceDet?ID=390\" target=\"_blank\" rel=\"noreferrer noopener\">Current U-M employee PSLF eform<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/ssc.umich.edu\/former-employee-VOE\/\" target=\"_blank\" rel=\"noreferrer noopener\">Former U-M employee PSLF eform<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">Learn More<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To learn more,&nbsp;<a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">visit the Federal Student Aid website<\/a>&nbsp;or read about&nbsp;<a href=\"https:\/\/studentaid.gov\/h\/manage-loans\" data-type=\"link\" data-id=\"https:\/\/studentaid.gov\/h\/manage-loans\" target=\"_blank\" rel=\"noreferrer noopener\">managing loans<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you have federal student loan debt, you could be eligible to have your loan balances forgiven through the\u00a0Public Service Loan Forgiveness (PSLF)\u00a0program as a U-M employee. Important:&nbsp;The deadline for Temporary Expanded Public Service Loan Forgiveness rules is 10\/31\/2022. In order to facilitate compliance with the deadline, we\u2019re asking that all employees who wish to [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-107","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/pages\/107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=107"}],"version-history":[{"count":4,"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/pages\/107\/revisions"}],"predecessor-version":[{"id":354,"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/pages\/107\/revisions\/354"}],"wp:attachment":[{"href":"https:\/\/www.umflint.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}