Student Loans · free tool

Public Service Loan Forgiveness (PSLF) Progress

Public Service Loan Forgiveness (PSLF) Progress It’s free, runs in your browser, and stores nothing you enter.

Qualifying payments made so far

Current loan balance

PSLF progress

120 payments to go

About 10.0 more years of qualifying payments.

Qualifying payments made0 of 120

Payments remaining120

Balance to be forgiven$0

Illustrative. Only Direct Loans, qualifying employers (gov/501(c)(3)), and qualifying payment plans count; certify employment annually. PSLF forgiveness is federally tax-free. Not financial advice. This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool — consult a licensed attorney before taking or refraining from any action.

Key figures behind this estimate

Published government figures used in the calculation, with their effective date and source.

PSLF threshold — 120 qualifying payments

As of 2026 · ED — Public Service Loan Forgiveness requires 120 qualifying monthly payments while employed full-time by a qualifying employer

120

Frequently asked questions

What does the Public Service Loan Forgiveness (PSLF) Progress estimate?

Public Service Loan Forgiveness (PSLF) Progress It runs entirely in your browser and stores nothing you enter.

Are the figures current?

Yes. The estimate uses published government figures, each dated on this page (as of 2026) with its source.

Is this calculator legal advice?

No. It is an informational estimate from published data and does not create an attorney–client relationship. Confirm specifics with a licensed attorney.

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Illustrative. Only Direct Loans, qualifying employers (gov/501(c)(3)), and qualifying payment plans count; certify employment annually. PSLF forgiveness is federally tax-free. Not financial advice.