Forgiveness is now more accessible than ever

Check your eligibility

The Public Service Loan Forgiveness (PSLF) program has always sounded simple: work in the public sector, pay your loans for ten years, get the rest forgiven tax free. But every borrower who has interacted with the program knows that it’s anything but simple. The labyrinth of underlying requirements has led to its notoriety for rejecting upwards of 98% of applicants, making actual forgiveness seem like a pipe dream for borrowers.

All that is about to change. The Department of Education has recently announced sweeping changes to the program that will make it easier to qualify and easier to achieve forgiveness. Here’s what we know so far.

For a limited time only through October 31, 2022, the Department of Education is offering a Limited PSLF Waiver to count previous payments that were previously ineligible because of loan types or repayment plans. This will help thousands of borrowers who were denied forgiveness in the past and could now be eligible to have their entire loan balance wiped away.

What this means for borrowers

If you work in public service, you may be eligible for forgiveness even if you've been rejected beforetrue impact

Summer helps borrowers certify and apply for Public Service Loan Forgivenesstrue impact

Summer is free for AFT members as part of their member benefits package

How we can help
🔍 Identify

We check your eligibility for PSLF and other repayment programs to help you save.

✍️ Enroll

We help you find the best repayment plan and certify for PSLF–all online.

💬 Support

We support you every step of the way, and help you recertify every year.

AFT Members

If you haven’t signed up for Summer yet, you can access your free account from the AFT Member benefits portal.

Click on the Summer link on Your Membership Card and Member Only Benefits page.
Sign up for Summer

If you already have a Summer account, sign in here.

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At AFT, we advocate for our members on student debt and many other critical issues. AFT Membership benefits also include legal and financial support, travel, insurance, education, health, and much more.

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