{"id":160,"date":"2022-09-13T09:19:06","date_gmt":"2022-09-13T07:19:06","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=160"},"modified":"2022-09-13T11:51:44","modified_gmt":"2022-09-13T09:51:44","slug":"how-the-end-of-the-pslf-temporary-waiver-will-affect-customers","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/how-the-end-of-the-pslf-temporary-waiver-will-affect-customers\/","title":{"rendered":"How the End of the PSLF Temporary Waiver Will Affect Customers"},"content":{"rendered":"<p><span style=\"font-weight: 400\">While President Biden\u2019s announcement on <\/span><span style=\"font-weight: 400\">partial student loan forgiveness<\/span><span style=\"font-weight: 400\"> got a lot of attention, another major <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-do-student-loans-affect-taxes\/\">student loan<\/a> benefit has been mostly overlooked: Temporary Expanded Public Service Loan Forgiveness (TEPSLF), also known as the Public Service Loan Forgiveness waiver.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/public-service\" target=\"_blank\" rel=\"nofollow noopener\">Public Service Loan Forgiveness<\/a> (PSLF) provides loan forgiveness to borrowers with federal student loans that work in public service. However, <\/span><span style=\"font-weight: 400\">PSLF approval rates are remarkably low<\/span><span style=\"font-weight: 400\">. As of <\/span><span style=\"font-weight: 400\">June 2022<\/span><span style=\"font-weight: 400\"> \u2014 the last available data \u2014 just 3.6% of applicants met the criteria for PSLF.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">TEPSLF <\/span><span style=\"font-weight: 400\">expanded eligibility for loan forgiveness, but borrowers have to take action by October 31, 2022, to take advantage of it.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">What Is PSLF?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Under <\/span><span style=\"font-weight: 400\">PSLF<\/span><span style=\"font-weight: 400\">, eligible federal loan borrowers can qualify for loan forgiveness if they work full-time for a non-profit organization or government agency for at least ten years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">To qualify, borrowers must meet the following requirements:\u00a0<\/span><\/p>\n<ul>\n<li><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/getting-instant-payday-loans-what-you-need-to-know\/\">They must have eligible loans: <\/a><\/b><span style=\"font-weight: 400\">Under the original PSLF program, only borrowers with federal Direct <a href=\"https:\/\/oxfordwisefinance.com\/blog\/pros-and-cons-of-paying-off-trainee-loans-early\/\">student loans<\/a> qualify for forgiveness.\u00a0<\/span><\/li>\n<li><b>They must make 120 qualifying monthly payments:<\/b><span style=\"font-weight: 400\"> The borrower must make 120 monthly payments under a qualifying payment plan. For PSLF, eligible payment plans include:<\/span>\n<ul>\n<li><span style=\"font-weight: 400\">Income-Based Repayment (IBR)<\/span><\/li>\n<li><span style=\"font-weight: 400\">Income-Contingent Repayment (ICR)<\/span><\/li>\n<li><span style=\"font-weight: 400\">Pay As You Earn (PAYE)<\/span><\/li>\n<li><span style=\"font-weight: 400\">Revised Pay As You Earn (REPAYE)<\/span><\/li>\n<\/ul>\n<\/li>\n<li><b>They must certify employment: <\/b><span style=\"font-weight: 400\">Borrowers have to submit certification for each year of eligible employment. It\u2019s recommended that you certify your employment annually to ensure your employment counts toward PSLF.\u00a0<\/span><\/li>\n<li><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/spotloans-get-a-short-term-loan-with-bluechip-apply-online-now\/\">They must submit an application: <\/a><\/b><span style=\"font-weight: 400\">Loan forgiveness through PSLF isn\u2019t automatic. Once you\u2019ve made 120 monthly payments and completed ten years of full-time employment for a qualifying employer, you must fill out and <\/span><span style=\"font-weight: 400\">submit a PSLF application<\/span><span style=\"font-weight: 400\">.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400\">What Is the Temp <a href=\"https:\/\/studentaid.gov\/announcements-events\/pslf-limited-waiver\" target=\"_blank\" rel=\"nofollow noopener\">PSLF Waiver<\/a>?<\/span><\/h2>\n<p><span style=\"font-weight: 400\">The number of PSLF <a href=\"https:\/\/oxfordwisefinance.com\/blog\/making-an-application-for-a-loan-online-vs-in-person-whats-the-best-and-trustworthy-option\/\">applicants approved for loan<\/a> forgiveness is extremely low. Many borrowers pursued PSLF without realizing their loans or payment plans didn\u2019t qualify. Under traditional PSLF, borrowers with Federal Family Education <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-qualify-for-an-unsecured-loan\/\">Loans (FFEL) and Perkins Loans don\u2019t qualify<\/a>. And payments made under alternative payment plans don\u2019t count toward the 120 payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Those issues were confusing for many borrowers. As a result, the U.S. Department of Education launched the TEPSLF waiver that temporarily expanded access to PSLF.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">TEPSLF program makes the following short-term changes:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Borrowers will receive credit for payments made under any repayment plan<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Borrowers with FFEL or Perkins <a href=\"https:\/\/oxfordwisefinance.com\/blog\/consolidated-payday-loans-things-to-consider\/\">loans are also eligible for loan forgiveness if they consolidate<\/a> their loans\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Periods of repayment before loans were consolidated with a Direct Consolidation Loan count toward forgiveness<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Periods of repayment where payments were late or less than the amount due also count<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Borrowers can get forgiveness even if a qualifying employer doesn\u2019t currently employ them at the time of application.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Borrowers that received Teacher Loan Forgiveness can count their periods of service toward PSLF too.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400\">How to Apply for the Public Service Loan Forgiveness Waiver<\/span><\/h2>\n<p><span style=\"font-weight: 400\">TEPSLF is a limited-time opportunity for federal loan borrowers. The changes aren\u2019t automatic; you must take action to benefit from the temp PSLF waiver.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">To apply for the TEPSLF program, follow these steps:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><b>Check your employer\u2019s eligibility: <\/b><span style=\"font-weight: 400\">You can use the <\/span><span style=\"font-weight: 400\">employer search tool<\/span><span style=\"font-weight: 400\"> to find out if your employer is a qualifying employer for PSLF.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Consolidate your loans: <\/b><span style=\"font-weight: 400\">If you have FFEL loans, Perkins loans, or make payments under a non-qualifying payment plan in the past, you must <\/span><span style=\"font-weight: 400\">consolidate your loans<\/span><span style=\"font-weight: 400\"> with a Direct Consolidation Loan by<\/span><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-does-president-bidens-trainee-loan-forgiveness-statement-mean-for-customers\/\"> October 31, 2022.<\/a><\/b><span style=\"font-weight: 400\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Use the PSLF Help Tool: <\/b><span style=\"font-weight: 400\">After consolidating your debt, you can use the <\/span><span style=\"font-weight: 400\">PSLF Help Tool<\/span><span style=\"font-weight: 400\"> to generate employment certification forms or apply for PSLF. It will include instructions on how to submit your information to Mohela, the new federal loan servicer in charge of PSLF.\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400\">The TEPSLF opportunity ends on October 31, 2022. If you miss that deadline, your loans or payments won\u2019t meet the criteria for PSLF.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">As the date nears, <\/span><span style=\"font-weight: 400\">StudentAid.gov<\/span><span style=\"font-weight: 400\"> will likely experience heavy traffic, and the site may be unable to handle the number of users. To avoid missing the deadline because of system outages, consolidate your loans as soon as you can.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">What to Do If You Aren\u2019t Eligible for PSLF<\/span><\/h2>\n<p><span style=\"font-weight: 400\">While the TEPSLF waiver expands PSLF for some borrowers, it\u2019s a temporary opportunity, and many borrowers are still ineligible for loan forgiveness. If you don\u2019t work for a qualifying employer or have private <a href=\"https:\/\/oxfordwisefinance.com\/blog\/whats-forbearance-on-a-student-loan\/\">student loans<\/a>, you can\u2019t take advantage of PSLF \u2014 even with the expanded requirements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">If that\u2019s the case, another way to effectively manage your <a href=\"https:\/\/oxfordwisefinance.com\/blog\/is-a-home-equity-loan-the-best-loan-for-debt-consolidation\/\">debt is through student loan<\/a> refinancing. Borrowers with good credit \u2014 or that have a cosigner willing to help \u2014 can potentially refinance their <a href=\"https:\/\/oxfordwisefinance.com\/\">loans<\/a> and get a lower interest rate. Over time, refinancing can help borrowers save money and become debt-free sooner.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Refinancing has some drawbacks for federal loan borrowers. You\u2019ll no longer be eligible for federal <a href=\"https:\/\/oxfordwisefinance.com\/blog\/7-benefits-of-an-installation-loan-2\/\">loan benefits<\/a> like PSLF or income-driven repayment plans, so be sure you won\u2019t use those programs before refinancing your debt.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">You can use the student <a href=\"https:\/\/oxfordwisefinance.com\/blog\/refinancing-payday-loans-in-riverside\/\">loan refinance calculator to see how refinancing<\/a> may affect your monthly payments and total repayment cost and to help you decide if refinancing is right for you.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While President Biden\u2019s announcement on partial student loan forgiveness got a lot [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":3,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,148],"tags":[],"class_list":["post-160","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-student-loans","col-md-12"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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