PSLF Help: Legal Touch Handles Your Public Service Loan Forgiveness

If you work for a hospital, school, government office, or nonprofit, your federal student loans may be on a path to forgiveness that you don't know about. Public Service Loan Forgiveness (PSLF) can cancel the remaining balance after 120 qualifying payments. Many borrowers miss out because of the wrong loan type, the wrong repayment plan, or missing employer forms. Legal Touch lays out your options and does all the work for you.

What Is Public Service Loan Forgiveness?

PSLF is a federal program that can forgive the rest of your Direct Loans, tax free, after 120 qualifying monthly payments while you work full time for a qualifying employer. Payments do not need to be in a row. For the full rules, see our PSLF guide.

Who May Qualify for PSLF?

• You work full time (usually 30+ hours a week) for a federal, state, local, or tribal government, or a 501(c)(3) nonprofit
• You have Direct Loans, or older loans that may be able to count after consolidation
• You are on an income-driven plan or another qualifying plan

Jobs at many hospitals, clinics, public schools, and colleges often count. A quick review tells you whether yours does.

Why PSLF Claims Get Stuck

• Wrong loan type. FFEL and Perkins loans don't count on their own.
• Wrong plan. Months in forbearance or on some plans may not count.
• Missing employer certifications. Years of work can go uncounted until each employer signs.
• Servicer miscounts. Payment counts are sometimes wrong and need to be disputed.

What Legal Touch Does for You ($495 Flat Fee)

1. We review your federal aid data and payment history.
2. We check every employer you've had for PSLF eligibility.
3. We prepare your PSLF employer certification forms and send them for signature.
4. We move you onto the best qualifying repayment plan with your servicer.
5. We track your qualifying payment count and dispute errors.
6. We tell you what's left until forgiveness and keep you updated.

Before we change anything, we check how it affects your other options, including Borrower Defense and IDR forgiveness.

Free Options You Should Know About

You can always use the free PSLF Help Tool at studentaid.gov or call your servicer directly. Legal Touch is for borrowers who want an experienced team to handle it.

Frequently Asked Questions

Who qualifies for Public Service Loan Forgiveness?

Borrowers with Direct Loans who work full time for a government agency or a 501(c)(3) nonprofit and make 120 qualifying payments on a qualifying plan may qualify. We review your history to see where you stand.

Can I apply for PSLF myself for free?

Yes. The PSLF Help Tool at studentaid.gov is free. Legal Touch is a paid option for people who want the whole process handled for them.

Do I need to consolidate to get PSLF?

Only some loan types need it, and consolidating can affect other options like Borrower Defense. We review your loans before anything is changed.

Does Legal Touch guarantee forgiveness?

No. The U.S. Department of Education decides every PSLF case. Legal Touch is not a law firm and makes no guarantees.

Get Your Free PSLF Review

Find out in one call whether your work may qualify. Check My Eligibility or call 800-261-2946.

Questions first? Contact our team.

Legal Touch is not a law firm and does not give legal advice. Results are not guaranteed. Every decision is made by the U.S. Department of Education or your loan holder. Free help is available at studentaid.gov.