Public Service Loan Forgiveness

You might be able to get credit for your past payments that didn’t previously qualify. Under this temporary waiver, your payments on non-Direct loans (e.g., Federal Family Education Loans, Perkins, other non-Direct federal loans) may count towards the 10 years of loan payments that you need for loan forgiveness. It could count even if your payment was late, was less than the amount due, or if you were in the wrong payment plan at the time. You can get credit for these payments until October 31, 2022.

1. Make sure you have federal Direct loans. If you don’t have Direct loans, you will need to consolidate your loans into a Direct Consolidation loan. If you are not sure what type of loans you have, visit the Federal Student Aid site and log in with your Federal Student Aid ID.
2. Visit the PSLF Help Tool to fill out Sections 1 and 2 on an updated PSLF form so that your loan servicer double checks for any missed payments that could count.
3. Send the form to Human Resource Services Records Unit to complete Sections 3 and 4.  Deliver to 139 French Administration, or PO Box 641014, Pullman, WA  99164-1014, or email hrs.records@wsu.edu
4. You then need to submit the form to the address listed in Section 7.

If you have FFEL, Perkins, or other non-Direct federal loans, you first need to consolidate them to take advantage of this waiver before October 31. You can apply on the Student Aid site to do this or consolidate them by calling your student loan servicer. Then, follow the steps listed above.

It could take a few months to get your loans consolidated once you’ve applied so we recommend you start the process as soon as possible.

• Use the PSLF Help Tool to search for a qualifying employer and learn what actions you need to take to be eligible for loan forgiveness.
• Contact your student loan servicer or the U.S. Department of Education’s website.
• Visit the Washington State Student Loan Advocate’s website to ask a question or submit a complaint about your student loans.