 TITLE: What Is Public Service Loan Forgiveness? CONTENT: How to Apply for Public Service Loan Forgiveness\n------------------------------------------------\nOnce you've met all the criteria listed above, you're ready to apply for public service loan forgiveness. You'll need to complete and submit the Public Service Loan Forgiveness: Application for Forgiveness form. Your employer must complete the Employment Certification section of the application. If you had multiple qualifying employers over the 10-year period and haven't been submitting Employment Certification Forms annually, you'll need to submit a form for each employer at this point.\nMail or fax the application and Employment Certification Forms to FedLoan Servicing, the federal loan servicer for the PSLF Program. If FedLoan Servicing is already your loan servicer, you can apply and upload your documents on their website.\nOnce FedLoan Servicing has all the documents they need to process your application, they'll notify you. You don't have to keep making loan payments while your loan forgiveness application is being processed, although you can do so if you want. Once your application is approved, the remaining balance of your eligible Direct Loans—including all outstanding interest and principal—will be forgiven, and you'll get a refund for any extra payments you made.\nOne important note: You must be working for a qualifying employer when you submit your PSLF application _and_ when your loan balance is forgiven. If you're considering changing jobs to a non-qualifying employer, don't do so until you're sure the loan forgiveness process is complete. END