{"id":2028,"date":"2022-09-27T11:08:35","date_gmt":"2022-09-27T15:08:35","guid":{"rendered":"https:\/\/communicator.pef.org\/?p=2028"},"modified":"2022-10-17T13:18:22","modified_gmt":"2022-10-17T17:18:22","slug":"time-is-running-out-to-apply-for-student-loan-forgiveness-under-temporary-pslf-waiver","status":"publish","type":"post","link":"https:\/\/communicator.pef.org\/issue\/volume-40-no-7\/time-is-running-out-to-apply-for-student-loan-forgiveness-under-temporary-pslf-waiver\/","title":{"rendered":"Time is running out to apply for student loan forgiveness under temporary PSLF waiver\u00a0"},"content":{"rendered":"<p><span data-contrast=\"auto\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2029 alignright\" src=\"https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2022\/09\/Loan-Post.jpg\" alt=\"Loan Forgiveness Icon\/Artwork\" width=\"350\" height=\"336\" srcset=\"https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2022\/09\/Loan-Post.jpg 350w, https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2022\/09\/Loan-Post-300x288.jpg 300w\" sizes=\"auto, (max-width: 350px) 100vw, 350px\" \/><em>Updated October 7, 2022 &#8212;<\/em> If you have federal student loan debt, look into your eligibility for the Public Service Loan Forgiveness (PSLF) program today \u2013 a limited <\/span><a href=\"https:\/\/www.ed.gov\/news\/press-releases\/fact-sheet-public-service-loan-forgiveness-pslf-program-overhaul\"><span data-contrast=\"none\">waiver<\/span><\/a><span data-contrast=\"auto\"> implemented last fall allows many borrowers to count previously ineligible payments toward forgiveness.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Through October 31, 2022, you can get credit for past payments even if you did not make the payment on time; did not pay the full amount due; or you were not on the right payment plan.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The waiver is temporary, and you must apply by October 31. Borrowers will need to submit a PSLF form \u2014 the single application used for a review of employment certification, payment counts, and processing of forgiveness \u2014 on or before that date to have previously ineligible payments counted.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you applied and were denied before last October, submit a new form \u2013 you may be surprised to find you are now eligible. Click <\/span><a href=\"https:\/\/communicator.pef.org\/issue\/volume-40-no-5\/think-you-may-be-eligible-for-loan-forgiveness-apply-now\/\"><span data-contrast=\"none\">here<\/span><\/a><span data-contrast=\"auto\"> to read the stories of PEF members who have benefitted from the limited waiver.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The PSLF applies to borrowers with Direct Loans, those who have already consolidated into the Direct Loan Program, and those with other types of federal student loans who submit a consolidation application into the Direct Loan Program while the waiver is in effect. Borrowers who need to consolidate will have to submit a consolidation application by October 31.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Visit the online <\/span><a href=\"http:\/\/studentaid.gov\/PSLF\"><span data-contrast=\"none\">PSLF Help Tool<\/span><\/a><span data-contrast=\"auto\"> to get started.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><strong>PEF training sessions to help you<\/strong><\/p>\n<p><span data-contrast=\"auto\">If you are uncertain about your eligibility or have questions, PEF is holding Zoom trainings to guide you through the program. Check your personal email for Zoom details. Reminders will be sent out each week. The remaining sessions in October are: Oct. 12 at 12 p.m., Oct. 19 at 7 p.m., and Oct. 29 at 6 p.m. <\/span><\/p>\n<p><span data-contrast=\"auto\">If you can\u2019t attend those dates and times, PEF\u2019s international union AFT is also offering virtual information sessions on student loan debt. Click <\/span><a href=\"https:\/\/web.cvent.com\/event\/44eafa4a-5536-45de-88a1-10d9f479c7b2\/regPage:e9f7c4c4-91d9-4d97-b437-632e5ca9ebcd?link_id=2&amp;can_id=ca591c212e223248a17c2960ff0ba638&amp;source=email-do-you-have-student-loans-join-pef-for-an-educational-session-about-possible-loan-forgiveness-for-public-employees&amp;email_referrer=email_1670697&amp;email_subject=do-you-have-student-loans-join-pef-for-an-educational-session-about-possible-loan-forgiveness-for-public-employees\"><span data-contrast=\"none\">here<\/span><\/a><span data-contrast=\"auto\"> to register for one of those free seminars.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Use your membership counseling benefit<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">You can also take advantage of PEF Membership Benefits student loan <\/span><a href=\"https:\/\/pefmbp.com\/financial-legal-services\/financial-planning-credit-counseling\/student-loan-counseling\/?link_id=3&amp;can_id=ca591c212e223248a17c2960ff0ba638&amp;source=email-do-you-have-student-loans-join-pef-for-an-educational-session-about-possible-loan-forgiveness-for-public-employees&amp;email_referrer=email_1670697&amp;email_subject=do-you-have-student-loans-join-pef-for-an-educational-session-about-possible-loan-forgiveness-for-public-employees\"><span data-contrast=\"none\">counseling<\/span><\/a><span data-contrast=\"auto\"> through Cambridge Counseling Services. The benefit is designed to provide a better understanding of student loan repayment options and\/or debt consolidation opportunities.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Updated October 7, 2022 &#8212; If you have federal student loan debt, look into your eligibility for the Public Service Loan Forgiveness (PSLF) program today \u2013 a limited <a href=\"https:\/\/www.ed.gov\/news\/press-releases\/fact-sheet-public-service-loan-forgiveness-pslf-program-overhaul\">waiver<\/a>&#8230;<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"division":[],"allowed_regions":[],"allowed_divisions":[],"class_list":["post-2028","post","type-post","status-publish","format-standard","hentry","category-uncategorized","issue-volume-40-no-7","issue-volume-40-no-8"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.9) - 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