Public Service Loan Forgiveness question

[als522, MSN]

Hi everyone,

I'm wondering if anyone has some insight into the PSLF program, particularly the Limited Waiver that started during COVID. Some background - I have been a pediatric nurse practitioner since 2008 and still have a large amount of student loans to pay off (~$85k). I have not been paying on my loans during the COVID payment freeze. Unfortunately, I was unaware of the PSLF program when I first started working as an NP and have only worked in for-profit settings. If I had known, I would have worked at our city's children's hospital and would have already qualified for the PSLF program. That being said - I have been reading about the Limited PSLF Waiver and have some questions. I know that they are counting the time during the payment freeze towards your 10 year requirement. I'm wondering if this would apply to me as well, even though I have not been working for a not-for-profit employer for that time period? This is my question - if I decide to leave my current job and get a job at the hospital (not-for-profit), will I start at 0 of 10 years or would I start at 3.5 (time of payment freeze) of 10 years? I have tried to reach out to Mohela to ask this question but they a) don't have a listed email address and b) I've been on hold FOREVER when I tried to call. If anyone has any insight into this, I would GREATLY appreciate it!

[mmc51264, BSN, MSN, RN]

First-Mohela is extremely frustrating. I was admitted to the PSLF program before Mohela took over my loan servicing and I, finally, just got some notification that my info transferred over. 

That being said, I think you will have to start at 0 with a new job. It would not hurt to apply for the PSLF when you get a new job and see. 

[Delia37, MSN]

Also make sure your loans are consolidated (the requirement is for, at least, 120 payments). Mine were not and I was denied, even though I've been paying into it all these years and work at an approved facility. 

[klone, MSN, RN]

No, only time worked at an eligible organization will count. 

[Red Shirt 6, CNA]

As far as I know unless you had your application in by the October 2022 deadline past payments will not count, and even then, only the past payments made while you worked for a non-profit can be applied toward the 120.