Bar Bulletin

Bar Bulletin

The Public Service Loan Forgiveness Program Waiver, Explained

December 2021 Bar Bulletin

By Latife Neu

On October 6, 2021, Secretary of Education Miguel Cardona announced temporary changes to the Public Service Loan Forgiveness (PSLF) program which, if successful, will substantially address the failings of the beleaguered federal student loan forgiveness program. Launched in 2007, PSLF promised complete tax-free forgiveness of federal student loans for those who make 120 qualifying payments. The execution of the program has been troubled, however, with reports of near-universal denial of applications for forgiveness. This article will detail the one-year limited waiver program, and provide guidance to those who stand to benefit from it.

The PSLF Program and Its Pitfalls: Background. On...

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