In 2022, President Biden issued an executive order that makes permanent changes to the Public Service Loan Forgiveness program (PSLF). This flew under the radar while legal battles ensued over the flagship student loan forgiveness plan that was recently blocked by the Supreme Court.
PSLF has been around since 2007, and for the first decade or so, very few borrowers had success receiving student loan forgiveness. In recent years, we’ve seen more and more borrowers have success with the program. Borrowers who’ve qualified for PSLF have now swelled to more than 600,000. This is due to the IDR and PSLF waivers that granted credit to borrowers who were not previously considered eligible (whether for incorrect repayment plans or deferment/forbearance) and because of the increase in overall applicants. PSLF is no longer an absolute shot in the dark, and it should merit strong consideration for those who borrow mini-mortgages to graduate from college. Like it or not, PSLF works, and it's usually the most cost-effective option to pay down your loans if you qualify.
Effective July 1, 2023, key changes have been made that each borrower needs to consider if you are currently on track for PSLF or if you will be in the future.
Before we dive into the new rules for PSLF, we want to remind you of the previous ones.
- Make 120 on-time qualifying monthly payments
- Work full-time at a nonprofit or 501(c)(3) or at least 30 hours per week at multiple qualifying employers
- Have direct federal student loans
- Make payments in a qualifying repayment program—IBR, PAYE, REPAYE, ICR or a standard 10-year repayment plan
- Complete PSLF Certification Form
#1 PSLF Certification Form Is All Electronic
To qualify for the PSLF program, there is an actual certification form that is filled out by you and signed by your employer. Previously, this was completed by you using dark ink, and it required a wet signature from your employer verifying your employment. Lastly, you faxed it to the PSLF servicer (FedLoan at the time; now MOHELA) for processing. The submission process was clunky with all the paperwork and signatures, and it could take 3-6 months (and sometimes longer) to process your form.
Now, this process can all be done 100% electronically using the PSLF help tool. The tool allows you to generate the application form through a portal that has a database of almost every nonprofit/501(c)(3) out there. To certify your employer(s), input your Employment Identification Number (EIN) and the dates you worked.
Next, the application will ask how you would like to obtain your employer's signature. You can do it “old school” by obtaining a wet signature, or you can simply send your employer an e-signature. Utilize the e-sign feature to speed up the application process. It will save you a lot of time and headaches. Give your employer a heads-up that they’ll receive an email from DocuSign on behalf of the Department of Education. After your employer signs, the form will automatically go to MOHELA for processing.
More information here:
The (Nearly) Perfect PSLF Situation for a Physician
#2 Qualifying Employment Hours Simplified
As mentioned earlier, you had to be working full-time or working at multiple qualifying employers (nonprofit or 501(c)(3)) for a minimum of 30 hours per week to reach the PSLF employment qualification. This put many borrowers in a tough position because they were working more than 30 hours per week at one employer but were not considered a full-time equivalent. In this situation, they wouldn’t have qualified for PSLF. Borrowers had to pick up another qualifying job or convert their employment to full-time to qualify.
This requirement is now changing to a flat 30 hours per week required at a nonprofit or 501(c)(3) to qualify. Borrowers no longer need to be full-time to qualify. In addition, those who work as adjunct professors can now qualify for PSLF. For each credit hour taught by an adjunct or contingent faculty, the borrower would receive 3.35 hours of work. So, you’d need to teach at least 9 credit hours to qualify.
#3 California and Texas PSLF Loophole
Included in the changes for qualifying employment is a specific situation that pertains to those who are employed in California and Texas. Generally, you need to be directly employed by a nonprofit or a 501(c)(3) to qualify. This means you need to receive a W-2 from your employer. You wouldn't qualify as an independent contractor (1099) or through a contractor that staffs the nonprofit or 501(c)(3). We commonly see this with physicians and other providers who have privileges at a nonprofit hospital but who are paid by a contractor.
California and Texas have a specific state law that prohibits many nonprofit hospitals from directly employing physicians. Physicians are commonly working at nonprofit hospitals but are actually hired by a contractor that is a private organization and that staffs physicians at nonprofit hospitals. This would not qualify you for PSLF.
But now, when you work in California and Texas in this specific arrangement and your direct employment at a nonprofit hospital is barred by state law, you can begin to qualify for PSLF. Here's a deeper dive into who qualifies and what to consider.
More information here:
Is Public Service Loan Forgiveness Worth It for Doctors?
#4 Certain Deferments and Forbearances Will Count
Deferment and forbearance never used to count for PSLF. IDR and PSLF waivers temporarily granted borrowers credit for certain periods of time in deferments and forbearances. Going forward, here are a couple of deferments and forbearances that WILL count as credit toward PSLF.
- Administrative or mandatory administrative forbearance—these are generally those pesky months when you are switching repayment plans or certifying income and your servicer has to put your account on hold
- Post-active duty
- Cancer treatment deferment
- Military service deferment
- Post-active duty student deferment
- Economic hardship deferment, which includes service in the Peace Corps—we sometimes see physicians in training eligible to qualify for this
- AmeriCorps and National Guard service forbearance
- US Department of Defense Student Loan Repayment Program forbearance
The majority of the changes are related to those in military service.
#5 Qualifying Payments in a Lump Sum
Previously, your servicer required you to make an on-time monthly payment at the required monthly payment amount. If you were to make an overpayment, part of that month’s payment would go to the following month. And if it was enough to cover the next month's payment, the servicer would go berserk and put your payment into paid ahead status. Paid ahead status was treated as forbearance, and it would halt your PSLF credit temporarily . . . lots and lots of headaches for a borrower trying to get a jump on their payments.
New regulations will allow borrowers to receive PSLF credit on late payments, installments, or in a lump sum. This resolves the paid ahead status and widespread issue for those who receive some type of loan repayment assistance program from your employer or a supporting entity like NIH, VA, NHSC, etc. However, just because you make a lump sum payment, it does not shorten your track to PSLF. You still need to work a minimum of 120 months at a qualifying employer to reach the forgiveness milestone—even if you double your payment for a month.
#6 Consolidation No Longer Erases Previous Repayment History
Typically, when you consolidated your federal student debt, all your previous repayment history was erased. That means if you consolidated after a couple years of payments, you would have to start your 10 years all over again. Way too many borrowers have done this, and they are stuck paying their loans longer than they should.
Now, instead of resetting your payment history when you consolidate, a weighted average of your existing PSLF count will be applied to the consolidation loan at the beginning. Here's an example.
In this particular situation, instead of having to make 120 payments post-dental school, this dentist would only need to make 116 because the undergraduate loans count toward the 120 payment count. It does increase the length for the undergrad loans to reach forgiveness, but it probably doesn't matter much because most will borrow more for a professional degree, like dental school, than undergrad.
Please note: if you consolidate loans with differing payment counts before January 1, 2024, you would be eligible to take the loan with the highest payment count. It will revert to the weighted average rule moving forward after January 2024.
More information here:
Paying Off Spouse’s Student Loans Together
#7 Hold Borrower Harmless Option
There generally comes a time when many borrowers will have a hard time making monthly payments and they'll have to temporarily halt payments. The hold borrower harmless option would help borrowers whose income drops to continue to qualify for PSLF. If a borrower has to enter deferment or forbearance because of a hardship and they could have stayed (or enrolled) into an income-driven plan with a required monthly payment of $0, they would still be eligible to receive credit for PSLF. Very little context or scenarios have been given for this new regulation. We will continue to update you as more information becomes available.
All of these changes should help move borrowers toward reaching their forgiveness milestone. More and more borrowers will enroll into PSLF as it now captures a wider range of borrowers. If you make less than what you owe in federal student loans, PSLF should strongly be considered. It is less of a consideration for those who make the same as you owe or more. However, we’ve still seen cases where PSLF can drop the overall cost of your loans either way.
If you need help navigating PSLF, the application process, the back and forth with your servicer, or putting the final touches on your application before you qualify, don’t hesitate to contact us at StudentLoanAdvice.com. We’ve helped many borrowers succeed and reach PSLF. Don’t go it alone when there’s the potential to save yourself hundreds of thousands of dollars.
What do you think about these PSLF changes? Do these changes impact your eligibility for Public Service Loan Forgiveness? Are you closer to having your loans discharged now?
Hi, I’m a physician at Kaiser in California. Recently I help my wife, also a physician, consolidate her FFEL loans to DirectLoans and submit the PSLF certification forms before 10/31/22. She qualified for forgiveness after recapturing past payments which is great news.
I on the otherhand, working for KP, did not consolidate my FFEL loans to DirectLoans or submit PSLF certification forms for my current employer or prior employers. I was under the impression KP didnt qualify. With the recent news around KP, I would not be well over the 10 years of qualifying payments. Is there anything I can do to qualify and recapture past payments or have I missed the waiver window? It may also be helpful to know I have been on the extended payment plan since July of 2007.
Hi James,
Yes, you can qualify your employment now if you consolidate by the end of the year. Consolidate your loans and complete the PSLF applications for your current and previous employment. I wrote more about how to do this in this recent post: https://www.whitecoatinvestor.com/pslf-loophole-california-texas/
Thank you Andrew! Just to clarify, I’m concerned that since I had not consolidated to DirectLoans last year, I missed the waiver deadline of Oct 31, 2022 and therefore wont receive PSLF credit for deferment and my extended payment plan payments, is that correct?
James,
The deadline is extended until the end of this year now due to the one-time account adjustment waiver. https://www.whitecoatinvestor.com/idr-waiver-who-qualifies/
Andrew SLA
Hi there. Where can I find more information on administrative forebearance counting towards PSLF?
Thank you
Hi May,
Here’s the nitty gritty details.
https://www2.ed.gov/policy/highered/reg/hearulemaking/2021/futureofpslffactsheetfin.pdf?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=
Hi, does deferment/forbearance during residency count under new changes? I wasn’t able to make payments during those 3 years and either put them in forbearance. And if it does count, is that in addition to or in leu of Covid pause? Thanks
Hi Patrick,
I responded to your question earlier in the comments. Here it is again for reference.
It depends. You have to meet either of these two criteria
Forbearances of 12 consecutive months or longer OR more than 36 months in total.
This does not include the covid forbearance/pause that will count as long as you have qualifying employment.
Andrew SLA
Thanks Andrew, that is very helpful. So If I was in Forbearance in residency for about 2.5 years straight that period would qualify towards PSLF? In addition to that the years in Covid Forbearance would be on top of that?
Patrick,
Yes, that’s correct. Yes, the COVID forbearance years would be on top of that. So, you could be looking at 5.5-6 years of forbearance credits that would count towards PSLF.
Andrew SLA
Hi there,
First off, I appreciate all the information on here. I just started working as a therapist for Kaiser, well TPMG, and initially was under the impression that I did not qualify for PSLF. (I have made 100 payments prior to accepting this role). How would I be able fill out the PSLF form using KP EIN instead of TPMG? I imagine the HR rep that signs off on it would see that as an error without seeing some sort of formal ruling/document indicating that this rule changed.
Thanks in advance!
Alicia
Hi Alicia,
Complete a PSLF certification form. You need to input KFH or KFHP EIN. 94-1105628 or 94-1340523. Then you need to send it to [email protected].
Andrew SLA
Long time follower, thanks for all you do.
I completed undergrad with direct fed loans, then did cancer research at a VA hospital for 3 years and was paying my undergrad fed loans on IDR plan. I left the VA job and started medical school where loans went into in-school deferment, and I graduated with all direct fed loans. I consolidated my undergrad and grad loans right after med school graduation onto REPAYE. I completed 3 years of residency at a PSLF-qualified program/employer and currently at Kaiser. Would my 3 years working at the VA hospital count towards my total PSLF count due to the IDR waiver? Thanks in advance for any guidance.
Nicholas,
Two things
1.) Was employment after September 2007?
2.) Was the employment full-time and paid?
If those two things are true, then you should be able to certify employment for the VA and have those years added to your 120.
AndrewSLA
Hi Andrew,
Yes to both. Thank you!
Hello thank you for the information. I am employed as a physician partner by a large group called Vituity. I work at a non profit hospital and was wondering if this loophole would also apply to Vituity physicians who work at a non profit hospital? Thank you!
Hi Ben,
Haven’t heard of any others qualify who are working directly with Vituity, but it sounds like you would qualify for the new PSLF ruling. Give it a shot and let us know how it goes.
Have already heard of some docs i’ve worked with directly who work at Kaiser Permanente in nor cal that were able to qualify their employment.
Andrew SLA
Hi Ben, any luck getting your months working for a non-profit hospital (while technically working as a partner with Vituity) to count toward PSLF? I would consider a job with them, but the PSLF eligibility is a necessity. Thanks! -Russ
Russ K,
I’ve definitely seen it happening in California for a bunch of docs.
Andrew SLA
Hi Andrew,
My consolidation loan which included Parent PLUS loans was recently forgiven under PSLF. My youngest will be going to college next fall. I am still employed by the qualifying employer and don’t plan to leave. Do I need to make the qualifying 120 payments over 10 years on any new Parent PLUS loans to qualify again for PSLF?
Thank you
Hi KC,
That’s correct. It restarts if you have no balance currently.
Andrew SLA
Hi Andrew,
I am currently a fellow who has only recently discovered that it would make the most financial sense for me to pursue PSLF (5 year residency + 2 year fellowship + likely academic job for at least 3 years). I have never submitted a ECF or applied with the PSLF Help Tool before. I am wondering when you think it would be best to begin this process. Is there a “deadline” to start PSLF? My current servicer is Nelnet who has me listed as being on PAYE, which I have been on since prior to the COVID pause. The reason I am hesitant to make the switch to MOHELA now is that I have heard horror stories of people being told that they are no longer on a IDR plan after switching and essentially being forced by MOHELA to recertify their income in order to rejoin a IDR plan. This would obviously be a huge disappointment for me since that would mean my accrued interest would capitalize and my monthly payment would increase (no longer based on my pre-COVID income). I know in the long run it’s not a big deal since the capitalized interest will eventually be forgiven, but that higher monthly payment would significantly hurt me during my fellowship living in a very HCOL city. Is there any downside to holding off on submitting PSLF forms and staying with Nelnet until at least Summer 2024 when my income recertification deadline approaches?
Thank you,
J
J,
There isn’t a specific deadline to submit your paperwork. It shouldn’t trigger income recertification when you switch to MOHELA. If that’s worrying you, then submit your PSLF docs next year when you have to certify income.
Andrew SLA
No better time than now to get started with your older certifications.
Hi Andrew,
Thanks for this post as well as all of your other very timely federal student loan posts!
I’m a fellow who graduated this past June 2023 after eight years of residency + fellowship. I am beginning my attending job in a few weeks. I’m close, but not quite at 8 years worth of PSLF payments due to the grace period.
I have 11 federal student loans, all Direct, with varying PSLF payment counts. Nearly all are 81-84 payments, but one is *88*!
I am deciding between leaving the loans as is and resuming my ~$90 monthly payments from certifying in 2019 versus consolidating before year’s end to take advantage of the IDR waiver–getting one loan with 88 payments. I last certified in 2019 as a resident earning $67k, household of 4, spouse earns no income. If I submitted a W-2 or pay stub, it’d basically reflect an annual income of ~$120k from my last year of fellowship. My household is now 5, spouse earns no income.
Which would be the better option? I imagine consolidating to get to 88 payments (a gain of 7 payments) is ultimately better, since not consolidating is only a benefit of six months’ reduced payments until I have to certify income next year. Would you agree?
Thanks so much for all your help!
Also, I think there’s the added benefit of deferring income recertification of attending income for another 12 months (~Aug 2024) with consolidation as opposed to 6 mos after payments resume with keeping all loans as is, right?
NouveauAttending,
You sound like a great candidate for our consulting services. StudentLoanAdvice.com/book
Andrew SLA
Would dentists who work as contractors for non-profits (ie: FQHC dental clinics) in California and Texas now also be qualified for PSLF?
I would think so.
Thank you.
Ali,
My experience has been that they will only do this if you are a physician, but it’s definitely worth a shot. Let us know how it goes.
Andrew SLA
MOHELA says I have to be employed full time at time of application AND at time of actual forgiveness. Does this mean they are verifying my employment twice-when I submit my application form and again before they discharge the loan? For example, I am currently employed full time by a nonprofit and have just finished my 120 payments and ready to submit my application. My contract expires at the end of this month. I have no idea how long it will take the loan to actually be forgiven. Do I have to stay with the the nonprofit until the loan is forgiven? Are they actually going to confirm a second time?
I don’t think that’s actually true. The requirement is to make 120 payments while employed full time by a non-profit, not to make 120 payments and then stay there for 6-12 months afterward while the DoE does paperwork. That’s ridiculous. I’d call back, talk to someone else, and get the right answer.
ED & WCI,
It is true. You have to stay on at a qualifying employer and stay in a qualifying repayment program even after you apply. I tell most they need to make 123 payments because the extra 3 payments will be while you wait for your application to be processed.
The payments you make beyond 120 will come back to you in a refund.
Andrew SLA
Thanks for the info. When filling out the application for forgiveness on the federal student aid website, it asked if I had made 120 payments, and I said yes, and it said something along the lines of “you haven’t been in repayment for at least 10 years” and it forced me to choose “no”, just like I would when completing the form for the purpose of annual employment verification. Have you seen this before? I am certain I have made 120 payments. Have you seen their counts be wrong? Thanks
ED,
Yes, it’s common for many. It shouldn’t negatively impact your application. Just say no and submit it.
Andrew SLA
I just wanted to confirm that I did the above process in August, and, despite the weird verbiage from Dept of Ed, my loans were forgiven last week. $270,000 gone. I only paid $40k over the past 10 years. Amazing and almost hard to believe. Although I don’t think it’s great public policy, I don’t make the rules, I just play by them, and it paid off handsomely.
Congrats!
Wild, thanks for sharing.
I do have PSLF credit for 106 months (almost 9 years) and I need 14 more months of payment to get PSLF. I go into repayment in October 2023. I do work for a qualifying employer. I am an attending now and this will be the first time I’ll be making payments as an attending. I still have about $260,000 in loans.
– Would I still qualify for PSLF if I stayed with my current employer and pay my loans under the Standard repayment plan for the next 14 months (pay about $2800 per month)?
– Or should I go the graduated extended plan for the next 14 months and pay around ($1800) per month? Is this a PSLF qualifying plan?
– Or sign up for the SAVE plan and pay $3800 per month for the next 14 months?
– Any other options that might be applicable in my case?
PAYE? But I believe the Standard plan qualifies. I don’t think the extended one does but I could be wrong.
Sierra,
If you didn’t consolidate your loans, your standard repayment is over 10 years and would qualify as credit for PSLF. I’d prefer that over SAVE since its cheaper. Graduated, Extended and Extended Graduated don’t qualify for PSLF.
Andrew SLA
Thank you. Also on the studentaid.gov website, it says
To qualify for loan forgiveness under the TEPSLF opportunity, you must have
– met the TEPSLF requirement for the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF to be at least as much as you would have paid under an income-driven repayment plan; and
– made 120 qualifying payments* under the new requirements for TEPSLF while working full-time for your qualifying employer or employers
If I go with the standard repayment plan for the next 14 months and pay $2800 per month, I will be paying less than the 2 income driven repayment plans that I qualify for, which are ICR ($3837 per month) and SAVE ($3893 per month). Would this make me not eligible for PSLF or TEPSLF if I were to just do the standard repayment plan?
Sierra,
I don’t know if I would chance TEPSLF. Once there’s a certain amount of loans discharged, that program entirely dries up. PSLF currently has no cap on how much can be forgiven.
The real question is, did you consolidate or not? If you didn’t consolidate, you can enter 10 year standard and hit PSLF. If you did consolidated, you’ll probably be best off with an income-driven plan.
Andrew SLA
I work at a large hospital in KC where for the last seven years I have only worked week-ends. The program is called WWP (week-end work program). I am expected to work two 12 hour shifts per week, respectively Saturdays and Sundays for a total of about 24-26 hours per week. It is a non-exempt part time position and therefor it pays hourly. The program comes with very strict rules such as having only 4 days of vacation time for the entire year (2 week ends off), this includes sick time . It is a very rigid frame of work, it was tough during COVID as we nurses were exposed to it, I was sick twice from it and hardly had any vacation days left due to it. The side up is that I get paid time and a half. I get paid for about 37 hours a week when I only work about 24-26. Like many others, I have about 40,000 dollars in student loans, Nursing school is not cheap. On the IRS site the definition of hours of service is as follows “Each hour for which an employee is paid, or entitled to payment, for the performance of duties for the employer”. My interpretation is that “entitlement to payment” could maybe be applied to cases like mine, where the value of service provided is clearly defined in hourly pay ( in my case each hour worked is valued as one and half hour). I understand that this is only my interpretation, but I wonder if I have any basis for making my case in my application for PSLF. I am unable to find any information on this particular subject, any thoughts??
Mary,
The rule is a minimum of 30 hours p/wk to qualify. If your employer is willing to sign the PSLF form and agrees with that minimum hour threshold, you are in the clear. Worth a shot.
Andrew SLA
Hi
Do you know how long it takes for them to process the IDR waiver?
I had consolidated FFEL loans with over 15 years of repayment and just reconsolidated it to a direct loan for the PSLF which was approved (been working fulltime for Kaiser since 2007). Right now the MOEHLA website doesn’t have my payment history.
I will continue to pay the loan so it doesn’t go into default, but any idea how long it would take? I’m not on an IDR plan for now so the new payments won’t qualify, but I have over 120 payments already. Will the waiver run automatically and I don’t have to do anything else? I assume since it’s now a direct loan I’ll get the new payments refunded once it’s forgiven? I know I’m already out of luck with the extra FFEL payments I made over 10 years.
Thanks
JH,
The adjustment (aka IDR waiver) won’t come until 2024. Nobody knows when they are going to make the adjustment yet. Hopefully sooner rather than later.
You should definitely get onto an IDR plan. You need to be in one at the time of forgiveness.
The waiver will run automatically because you now have newly consolidated direct loans.
Andrew SLA
Oh OK. Just applied for an IDR repayment plan. The monthly amount is a lot higher but I assume I will get all of that back post adjustment? Thanks for the tip that I had to be on an IDR plan at time of forgiveness, didn’t know about that.
JH,
Any payments you make above 120 now that your loans are direct will be refunded to you if they deem you eligible.
Andrew SLA
Some timeline info: I’m an ER doc at a partnership in CA. Most of my career (MD ’02 ) I worked at contracts with nonprofit hospitals. Learning about this change in August, I did all the PSLF paperwork getting my prior and current nonprofit work accounted for. I consolidated my last ~$25k of FFEL loans to the Direct Loan program ran by MOHELA on 9.19.2023, and signed up for the IDR plan.
Because of the loan changes, MOHELA gave me a few months of forbearance / grace before payments started, and I made a first payment this month (December).
I just checked the MOHELA site, and I wish I could add a screen capture, but the site now shows 152 qualifying payments to my PSLF forgiveness (need 120)! No further payment dates are listed on my home page, and I imagine I will get formal notice of forgiveness in the coming months.
Glad I took the gamble on taking this path!
JG,
It should only be a matter of weeks now. Thanks for sharing and congrats!
Andrew SLA
Congratulations!
I have my loans in a non federal reconsolidated account (first mark). I have heard that I can refinance again and put them back in a direct federal in order to become eligible. Is this true and how do I do that?
Thanks!
Hi Carolyn Quinsey,
Yes. You can consolidate them into a direct federal loan to make them eligible. You’ll need to fill out the manual consolidation application. Here’s a link for more information.
https://studentaid.gov/manage-loans/consolidation
Complete this by the end of the year. Make sure you have submitted your PSLF forms as well.
Andrew SLA
Hello,
If I worked for a qualifying employer and they counted toward my PSLF but then had to resigne due to medical issues, do those months I was unable to work due to my medical condition and in a facility for treatment, do those months count? On my total number of eligible payments those months say
“This payment period is eligible but requires approved employment in order to qualify.” but I had to resign due to medical concerns. Can I get these to still count somehow?
I think if the employer signs for them you can probably get them to count. Not sure they will though since you obviously weren’t working full time those months.
Jade,
It’s very case-by-case and up to your employer.
Andrew SLA
Wondering about the new adjunct faculty rule: I will be working for and receive my paycheck from a private group; I am officially adjunct faculty at a non-profit university due to overseeing resident physicians at my job but do not receive pay for this.
I appears this may still qualify me for PSLF if I am over 30 hrs/week in this role?
Any idea on documentation I might need for this if I am not receiving any paycheck from the non-profit university or hospital?
Justin,
In California or Texas you could apply. Those are the only two states that would allow this arrangement to qualify for PSLF. You need to fill out the PSLF form an input information for the nonprofit not your actual employer.
Andrew SLA
I doh’t think there are any rules about you getting paid a certain amount, just working a certain amount. But you do have to be employed and if they’re not paying you, it would be hard to argue you’re employed by them, no? Are they willing to sign off on you being a full time employee? I kind of doubt it.
Does anyone know the email for getting the pslf form approved by kaiser Northern California? I can’t find it. Thanks!
Kim,
[email protected]
Andrew SLA
I am a full time contract worker who works for a public service company. Are contract workers eligible for PSLF if we are full time?
I don’t think you work for a public service company, whatever that is. I think you work for yourself, no? If you’re paid on a 1099, you are an “independent contractor”, self-employed, and work for your own company. Your company contracts with a public service company. That generally does NOT qualify for PSLF, although there are exceptions for some employers in TX and CA where they are not allowed to hire doctors directly due to corporate practice of medicine laws. And of course everything is subject to change.