Public Service Loan Forgiveness


Public Service Loan Forgiveness (PSLF) is a Federal Program that allows certain federal student loans to be forgiven after 10 years of on-time, qualifying monthly payments for employees of a not-for-profit organization.

This program is not sponsored by Children’s but is a valuable resource for employees of Children’s.

To qualify:

  • You must not be in default on the loans for which you are requesting forgiveness
  • You must be employed full-time by a public service organization:
    • When making each of the required 120 qualifying loan payment
    • At the time you apply for loan forgiveness; and
    • At the time the remaining balance on your eligible loans is forgiven


  1. Employed in a full-time, ≥ .75 FTE, for ≥10 years at Children’s Nebraska (or other not-for-profit organization).
  2. Made 120 separate monthly payments to your student loan(s) on or after Oct. 1, 2007.
  3. Qualifying loan received must be under the William D. Ford Federal Direct Loan (Direct Loan) Program, or other federal loan program that is consolidated into a Direct Consolidation Loan.


Enroll in a qualifying payment plan. For most borrowers, Income-Based Repayment (IBR) is the best option. Visit to enroll online.

Certify that you work for a qualified public service employer. Use the Employment Certification for Public Service Loan Forgiveness form to keep track of your eligible employment and qualifying loan payments. Complete sections 1 and 2 on your own, then ask Human Resources to complete and sign section 3 before submitting the form.

Resubmit annually. Complete and submit the Employment Certification for Public Service Loan Forgiveness annually to track your qualifying service and payments.

For more information about the repayment plans available in the Direct Loan Program, please visit


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