​Non Profit Student Loan Forgiveness: How long will it take for you to qualify for PSLF? 

09/02/2025
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10:18
CSTThe new premiership of President Donald Trump has created a sea of uncertainty when it comes to those who have their financial well-being even slightly tied into the state. Over the past four years, the Biden administration has forgiven nearly $175 billion in federal student debt, benefiting five million borrowers, according to the White House. Much of this relief came from fixing and expanding existing programs, such as Public Service Loan Forgiveness (PSLF), Income-driven repayment (IDR) plans and borrower defense and disability discharge programs.Trump has been a vocal critic of student loan forgiveness, and his administration is widely expected to halt efforts to cancel student debt. However, experts say borrowers who have already had their loans forgiven are in the clear.The two primary conditions for PSLF are as follows:after you’ve made the equivalent of 120 qualifying monthly payments under an accepted repayment plan, andwhile working full-time for an eligible employer.As outlined by Student Aid, the basic way to apply for PSLF can be seen below:To be considered for PSLF, you only need to submit a PSLF form. The easiest way to do this is by using the PSLF Help Tool. The PSLF Help Tool allows you to:Check to see if your employer is already in our employer database.Request that your employer’s eligibility be reviewed if it is not already in our database or has not yet had its eligibility determined.Prepare and sign your PSLF form, and request certification and signature from your employer-all electronically.Generate your PSLF form for manual signature and submission.Given you have to make 120 qualifying payments, it will take at least 10 years before you can qualify for PSLF. You also must still be working for a qualifying employer at the time you submit your form for forgiveness.