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Public Service Loan Forgiveness (PSLF) Program

If you are a Federal Direct Loan borrower and are employed full time at MIT,  you may be able to receive loan forgiveness under the Public Service Loan Forgiveness (PSLF) Program. Qualifying employment for the PSLF Program is not about the specific job that you do but is tied directly to your employer. The PSLF Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. Until Oct. 31, 2022, federal student loan borrowers can get credit for payments that previously didn’t qualify for Public Service Loan Forgiveness (PSLF) or Temporary Expanded Public Service Loan Forgiveness (TEPSLF).

Under the limited PSLF waiver, you can get credit for past payments even if you

  • didn’t make the payment on time,
  • didn’t pay the full amount due, or
  • weren’t on a the right repayment plan.

For additional information on the PSLF Waiver or Public Service Loan Forgiveness in general, please visit