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Loan Forgiveness Tool

PSLF Calculator

Calculate your projected loan forgiveness amount, estimated monthly payment under IBR, and your projected forgiveness date based on qualifying employment.

Your PSLF Projection

Enter your current loan details and employment information to see your forgiveness projection.

Out of 120 required
0 of 120 qualifying payments0% complete
Payments Remaining
120
Projected Forgiveness Date
February 2036
Projected Amount Forgiven
$60,000
Est. Monthly Payment (IBR)
$520
Est. Total Paid to Date
$0
Est. Net Savings vs. Full Repayment
$60,000

Estimates only. Verify payment counts and employer eligibility at studentaid.gov. IBR calculations based on 2024 federal poverty guidelines. This tool does not constitute financial or legal advice.

How PSLF Works

1
Qualify Your Employer
Work full-time for a government agency, 501(c)(3) nonprofit, or other qualifying public service organization.
2
Enroll in IDR
Enroll in an income-driven repayment plan (IBR, PAYE, or ICR). Standard repayment does not qualify.
3
Make 120 Payments
Make 120 on-time, full payments while employed full-time at a qualifying employer. Payments do not need to be consecutive.
4
Submit Your Application
After 120 qualifying payments, submit the PSLF Application at studentaid.gov. Your remaining balance is forgiven tax-free.

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