What do I need to do in order to qualify for PSLF?

Public Service Loan Forgiveness requires you to make 120 qualifying monthly payments while directly employed by a 501(c)3 (non-profit). Qualifying payment programs include ICR, IBR, PAYE, REPAYE, and the “standard” 10 year payment plan. You also need to have your employer certify you each year (can be done retroactively, but I recommend you do it as you go along.) The best way to maximize the amount forgiven is to enroll as quickly as possible in either PAYE or REPAYE, minimize your taxable income during your training years, and do as many residencies or fellowships as possible. The amount forgiven is generally the difference between sum total of the “standard” 10 year plan payments and the sum total of your actual 120 payments, many of which will be tiny due to the income drive repayment program provisions.