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Limited Public Service Loan Forgiveness Waiver Nearing End

Defense Department personnel with student loan debt might be able to benefit from temporary changes made to the Public Service Loan Forgiveness program.

People wearing caps and gowns look toward a people seated on stage adorned with flags.
Graduation Ceremony
Soldiers and civilians stand as their degrees are conferred by their colleges' representative during the Fort Knox Army Education Center College Graduation Ceremony at Waybur Theater, Fort Knox, Ky., Oct. 17, 2019.
Photo By: Army Sgt. Nahjier Williams
VIRIN: 191017-A-FA699-534A

The Limited PSLF Waiver allows borrowers to receive credit for past periods of repayment, making it easier to have their loans forgiven.  

Those who have not already applied for this waiver must submit a PSLF form and consolidate their non-direct federal student loans by Oct. 31 to receive the benefit. 

The waiver allows borrowers to gain additional PSLF credit, even if previously told they had the wrong loan type or repayment plan.  

A service member holding paperwork talks to a woman in a classroom.
Lesson Plans
Army Staff Sgt. Rainah Myers-Garcia receives lesson plans and classroom materials from a teacher at Parkview Elementary School in Socorro, N.M., Feb. 7, 2022.
Photo By: Iain Jaramillo
VIRIN: 220207-Z-AS301-3216

Those interested can learn more about the limited waiver and who qualifies on the Federal Student Aid Site. 

"If you have a federal student loan and are eligible, I encourage you to take advantage of the PSLF waiver benefit today," said Deputy Defense Secretary Kathleen H. Hicks. "A few minutes of your time may save you thousands of dollars on your student loans. Remember, you need to take the steps necessary to qualify." 

Students sit in an audience and smile.
Award Ceremony
Students from Florida Memorial University attend the Partnership in Education award ceremony at Coast Guard Air Station Miami in Florida, Dec. 1, 2010.
Photo By: Coast Guard Petty Officer 3rd Class Sabrina Elgammal
VIRIN: 101201-O-D0439-008A

President Joe Biden also commented on the PSLF program portion of the White House website: "Dedicated public servants are the lifeblood of democracy. They do the hard work that is essential to our country's success — protecting us, teaching our children, keeping our streets clean and our lights on, and so much more."  

After the Oct. 31 deadline and beginning on Nov. 1, the standard PSLF program requirements will resume.  

Federal Student Aid:  

PSLF Program:

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