Fill out PSLF (Public Service Loan Forgiveness) Form online
The PSLF (Public Service Loan Forgiveness) Form serves as both the Employment Certification Form (ECF) and the application for forgiveness. It is used to certify qualifying public service employment and, once 120 qualifying payments have been made, to apply for forgiveness of the remaining Direct Loan balance.
How to fill out PSLF (Public Service Loan Forgiveness) Form
Enter borrower information
Provide your name, Social Security number, date of birth, address, phone number, and email. Indicate whether you are requesting employment certification only or applying for forgiveness.
Provide employment details
Enter your employer name, address, EIN, and your employment dates. Indicate whether you are a full-time employee (at least 30 hours per week or meeting the employer definition of full-time).
Obtain employer certification
Have an authorized official at your employer complete and sign the employer certification section, confirming your employment dates, full-time status, and that the employer is a qualifying public service organization.
Sign and submit
Sign and date the borrower section. Submit the form to MOHELA. If applying for forgiveness (not just employment certification), confirm that you believe you have made 120 qualifying payments.
About PSLF (Public Service Loan Forgiveness) Form
Who needs this form
Federal student loan borrowers who work full-time for a qualifying public service employer (government agencies at any level, 501(c)(3) nonprofits, and certain other nonprofits) and are pursuing forgiveness after 120 qualifying monthly payments under an income-driven repayment plan.
Where to submit
Submit to MOHELA, the federal loan servicer that handles PSLF processing. You can submit online, by fax, or by mail. Submit the ECF section annually or whenever you change employers to keep your qualifying payment count up to date.
Source and content freshness
- Reviewed: 2026-02-16
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not being on a qualifying repayment plan (only income-driven plans and the 10-year Standard Plan qualify)
- Not having Direct Loans (FFEL and Perkins loans must be consolidated first)
- Not submitting the ECF annually (makes it harder to track progress and catch issues early)
- Having the wrong employer certification (the employer must be a qualifying public service employer, not just a nonprofit)
Frequently asked questions
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What counts as a qualifying payment for PSLF?
A qualifying payment is a payment made (1) after October 1, 2007, (2) under a qualifying repayment plan (income-driven or 10-year Standard), (3) for the full amount due, (4) no later than 15 days after the due date, and (5) while employed full-time by a qualifying public service employer. Payments do not need to be consecutive. You must be on an eligible income-driven repayment plan to accumulate qualifying payments.
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