In October 2021, Secretary Cardona announced the Public Service Loan Forgiveness Program limited waiver through October 31, 2022. During this temporary period , borrowers applying for the PSLF waiver may receive credit for payments that previously did not qualify for PSLF. Since the announcement, over 175,000 borrowers have seen $10 billion in public service loan relief thanks to this PSLF waiver program (Spanish). We have heard stories of borrowers from the Latino community who have receive student loan relief through the PSLF limited waiver. But more needs to be done to ensure eligible Latinos working in public service, including our federal/state/local government employees, educators, first-responders, and non-profit staffers, have the opportunity to apply.
With the October 31 deadline approaching, now is a pivotal moment where we’d like to come together as a community to make a strong and united final push that ensures more eligible Latino community members apply for this program, share their testimonials and encourage others to apply. We need your help to spread the word about PSLF and ensure all those who are eligible, especially the Latino community, have access to this loan forgiveness and know what they need to do to apply.
Will you join us in taking action?
Wherever her education led her, Diana Caba always planned to give back through public service. Thanks to Public Service Loan Forgiveness, she’s had nearly $180,000 in student loans forgiven, allowing her to pursue her dream of empowering her community. #PSRW pic.twitter.com/ReUV07y8JC
— U.S. Department of Education (@usedgov) May 1, 2022
.@POTUS sabe que los servidores públicos como Sara son la fuerza de nuestra democracia y que se tiene que premiar su dedicación. Inscríbase hoy para conocer los beneficios del programa PSLF (Condonación de Préstamos por Servicio Público). #PSLF pic.twitter.com/2mnusmlNCW
— Secretary Miguel Cardona (@SecCardona) August 25, 2022
Could you be next?
Under normal rules, the PSLF program forgives the balance of your Direct Loans once you make 120 qualifying payments while working in a public sector job. The time-limited PSLF program rule changes are making it easier for federal student loan borrowers working in public service careers to receive credit for past periods of repayment that normally don’t qualify.
This is an all-hands on deck moment because the deadline to apply for the PSLF waiver is just a month away — on October 31, 2022.
Here are some actions you can take:
- Learn more and start your PSLF application: https://studentaid.gov/pslf
- Share this webpage with your network, especially those working in public service jobs.
Register and attend upcoming PSLF webinars:
- AFSCME is hosting a series of informational webinars throughout October. If you are a public service worker and have outstanding federal student loans, join us and our partners at the Student Borrower Protection Center (SBPC) for an informational webinar that will walk you through how to qualify for student debt forgiveness under the PSLF program and answer your questions about the temporary waiver. There are several opportunities to participate. Click here to register.
- Monday, Oct. 3, at 6 p.m. PT
- Tuesday, Oct. 4, at 6 p.m. ET
- Thursday, Oct. 6, at 12 p.m. ET
- Wednesday, Oct. 12, at 6 p.m. PT
- Monday, Oct 17, at 12 p.m. ET
- Tuesday, Oct. 25, at 6 p.m. ET
Lift your voices as PSLF Promotores. Share your testimonial if you’ve had your loans forgiven and spotlight other actions you’re taking in your community to promote PSLF. We’d especially love to see our Latino community’s social media posts, op-eds and outreach in English and Spanish on our days of action as well as every day leading up to the October 31st deadline. Please share your testimonials, actions and links with us via firstname.lastname@example.org.
Key sites to share:
- The White House PSLF site: pslf.gov
- The U.S. Department of Education’s PSLF site: studentaid.gov/pslfwaiver (Spanish)
- This PSLF Promotores site to help you reach Latino public service workers: ed.gov/hispanic-initiative/pslf-promotores
Spread the word — in real life.
- Beyond engaging in social media, take some time to talk to your friends, family members and colleagues in education and public service jobs. Encourage them to apply for the PSLF program.
- If you work in a school, nonprofit, health or first responder role, government office or other public service job, work with your organization to host webinars/trainings and to share resources that help employees walk through the PSLF application process.
- Use our PSLF waiver toolkits for Educators and other stakeholders.
Attention teachers! If you received Teacher Loan Forgiveness, the period of service that led to your eligibility can count toward Public Service Loan Forgiveness.
To commemorate the White House PSLF Educator Day of Action held on August 31, Secretary Cardona heard from teachers on how the PSLF has impacted their lives.
Our educators bend over backward every day to make a difference for their students. It’s truly inspiring to hear directly from some of them about how this relief has made a difference in their lives. #PSLFWorks pic.twitter.com/qTasTAYpta
— Secretary Miguel Cardona (@SecCardona) August 31, 2022
- PSLF website, includes a simple 3-Step Eligibility Tool that borrowers can use to determine eligibility, a one-page explainer document for borrowers, & social media graphics that you can use.
- White House PSLF Outreach Resources
- PSLF Explainer
- How to Apply for the PSLF Limited Waiver
- U.S. Department of Education toolkits and resources
- Consumer Financial Protection Bureau customized guide for teachers
Sample PSLF Message
Below you will find a blurb with information about the PSLF waiver that can be used to increase awareness about the program and social media graphics to share. Help us promote this opportunity leading up to the October 31 deadline.
The U.S. Department of Education has implemented temporary changes to the Public Service Loan Forgiveness (PSLF) program rules that make it easier for federal student loan borrowers to receive credit for past periods of repayment that would otherwise not qualify for forgiveness. These changes end on October 31, 2022. Millions of non-profit and government employees have federal student loans and may now be eligible for loan forgiveness or additional credit through the temporary changes, known as the Limited PSLF Waiver. But they must apply before the deadline. This means some borrowers will need to consolidate and/or submit a PSLF form – the single application used for a review of employment certification, payment counts, and processing of forgiveness – on or before October 31, 2022, to have previously ineligible payments counted. After October 31, 2022, normal PSLF rules will apply. Borrowers can learn more about the temporary changes at www.studentaid.gov/pslfwaiver.
Social Media PSLF Graphics