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Public Service Loan Forgiveness Program

OPA is not associated with the Federal Public Service Loan Forgiveness Program (PSLF), the Federal Temporary Expanded Public Service Loan Forgiveness Program (TEPSLF), or the limited waiver period. As a current or former employee of the City of New York, however, you should be aware of these programs and their benefits.

The Public Service Loan Forgiveness Program forgives the remaining balance on Direct Loans after 120 qualifying monthly payments under a qualifying repayment plan while you are working full-time for a qualifying employer. Working as a full-time employee for the City of New York most likely qualifies you for this program. Qualifying and enrolling in this program with the correct repayment plan may result in eliminating the entire remaining balance of your student loans (Direct Loans) after 120 qualifying payments. If you have federal student loans, use the U.S. Department of Education’s Help Tool to determine your eligibility. The New York City Department of Consumer and Worker Protection has developed a PSLF Program FAQ.

The PSLF Program should be the first student loan forgiveness program for which you see if you are qualified as a City of New York employee. If you do not qualify for the PSLF Program, you should check your eligbility for the TEPSLF. Some repayment plans that were not previously included in the PSLF Program have been temporarily included in the TEPSLF program. If you do not qualify for the PSLF Program, you may still qualify for the TEPSLF Program.

In addition to the PSLF Program and the TEPSLF Program, there is also a temporary program waiver for which City of New York employees might qualify. This temporary waiver is called the "limited PSLF waiver." This waiver allows qualifying federal student loan borrowers who work in public service to receive credit for past periods of repayment that did not previously qualify for the PSLF or TEPSLF programs. The waiver expires on October 31, 2022. After that date, you can no longer apply for the limited PSFL waiver.

Current and former City of New York employees must certify their employment as part of their acceptance into the PSLF Program, the TEPSLF Program, and the "limited PSLF waiver." Current employees should send their employment certification form to their human resource department. Current employees can also email their employment certification form to DCAS. Current employees with multiple agencies, or who have had a break in their City service and therefore have two NYC employment forms, can contact their current human resource department or DCAS to sign the employment certification forms for them.

You can also receive free, one-on-one professional, financial counseling and coaching in person or by phone about this program. NYC Financial Empowerment Center counselors can help with PSLF-related questions and the enrollment process and support you in reaching all your financial goals.

Book an appointment today by:

• Visiting nyc.gov/TalkMoney
• Calling 311 and saying “Financial Counseling”

You can also attend a Zoom webinar with expert financial counselors and learn about PSLF and the basics of submitting your application.
Register at pslf.nyc/get-support

For more information about student loans, visit nyc.gov/studentloans.