公共服务贷款减免和2021欧洲杯下注心理学家

By: Kelly Vaillancourt Strobach PhD, NASP Director, 政府 Relations

In 2007, the Public Service Loan Forgiveness Program (PSLF) was signed into law. Since 10 years of payments and full time employment are a prerequisite for forgiveness, eligible loans can be forgiven for the first time beginning in 10月ober 2017, 对于那些符合宽免标准并遵循所有必要步骤获得贷款宽免的人(更多的要求在后面).  This program extends loan forgiveness to public service employees, 包括那些在公立2021欧洲杯下注工作的人.   在120个月的合格还款后,要想免除贷款,必须满足非常具体的要求, 同时受雇于符合资格的工作地点. Over the years, NASP has created several resources about PSLF, which are available 在2021欧洲杯下注注册的网站上.  然而, 关于PSLF最可靠的信息来源是美国教育部联邦学生援助办公室.  有关于PSLF的丰富信息吗, including an and other critical information that is updated on a regular basis.  A few of the most commonly asked questions are summarized below, 但2021欧洲杯下注注册鼓励你们查阅教育部提供的所有资源.  如果你有关于你的特殊情况的具体问题, please 联系您的贷款服务机构或 教育部门ucation.

常问问题

What federal student loans are eligible for forgiveness under the PSLF Program?

Any non-defaulted Direct Loan is eligible for loan forgiveness. 直接贷款计划包括以下贷款:

  • 直接补贴贷款
  • 直接补贴的贷款
  • Direct PLUS Loans-for parents and graduate or professional students
  • 直接合并贷款

如果你有其他类型的联邦学生贷款, you may consolidate them into a Direct Loan in order to qualify for PSLF; however, 你在合并到直接贷款之前支付的任何款项将不计入120支付要求的宽恕.

我怎么知道我有什么样的贷款?

如果你不确定你有什么类型的学生贷款, you can find more information by logging in to your account at StudentAid.gov /登录.  私人学生贷款不符合PSLF的条件, but some other types of loans can be consolidated into a Direct Consolidation Loan.

什么类型的公共服务工作将符合借款人的贷款减免计划?

You must be employed full-time (in any position) by a public service organization. 以下是一些符合PSLF项目“公共服务组织”定义的组织:

  •  政府组织(包括联邦政府, 状态, 当地的, 或者部落组织, 机构, or entity; a public child or family service 机构; public elementary and secondary schools, colleges and universities; or a tribal college or university)
  • 根据美国国内税收法第501(c)(3)条的非营利免税组织
  • 一个私人, 非营利性组织(非工会或党派政治组织),提供下列一项或多项公共服务:
    • Early childhood education (including licensed or regulated health care, 头开始, 和国家资助在读幼儿园之前)
    • Public service for individuals with disabilities and the elderly
    • 公共教育

每年你都需要填写一份就业证明表格,以证明你在一个合格的工作环境中工作.

在贷款豁免计划下,有哪些具体的贷款偿还要求? 

  • 你们每个月必须分别支付120次 10月. 1, 2007, on the Direct Loans for which you are requesting forgiveness. Payments made before this date do not count toward meeting this requirement. 符合条件的120笔款项必须在预定付款到期日后15天内全部缴付.
  • 120项还款必须根据以下一个或多个直接贷款计划偿还:
    • 任何收入导向的还款计划
    • 十年标准还款计划
    • Any other Direct Loan Program repayment plan; but only payments that are at least equal to the monthly payment amount that would have been required under the 10-year Standard Repayment

了解你的还款计划选项

如何申请PSLF?

您必须先完成 .  如果确定您符合所有必要的资格标准,您将被告知您向PSLF支付了多少合格付款,您的贷款将被转移到联邦贷款服务, 谁处理PSLF计划中的所有贷款.  Additional information about the application process is available .

我已经用PSLF付款10年了,我要怎么做才能让我剩下的贷款被免除?

目前, 没有申请贷款减免的申请,因为2017年10月是所有人满足贷款减免的所有必要条件的最早期限. An application will be made available as that date approaches.   

新闻中的公共服务贷款减免

过去几周, 有一些文章(例如, , (来自纽约时报)强调了人们的担忧,一些人认为他们已经支付了公共服务贷款减免的合格付款,但却被告知他们不再有资格, which has resulted in a lawsuit against the 教育部门ucation.  如果您已经注册了PSLF,请继续付款并提交正确的文件.  在这个时候, 2021欧洲杯下注注册没有理由相信,那些全职受雇于公立2021欧洲杯下注或符合资格的私立2021欧洲杯下注,在PSLF注册的学生,会受到这次诉讼的影响. If you want to be certain that your employer qualifies as a public service employer, you should file the aforementioned employer certification form each year, 每次你换工作的时候, 或贷款服务.   如果您想验证您有正确的贷款类型,并在一个合格的还款计划, 联系您的贷款服务机构或  

NASP will continue to share relevant information about the various loan forgiveness options available to school psychologists; however, 所有关于你的具体学生贷款情况的查询应该直接向你的贷款服务机构或教育部查询.